$0 if you have Full Extra Help.

$66 or your plan's standard deductible (whichever is cheaper) if you have Partial Extra Help.

After spending a pre-determined amount in total drug costs (usually $2,970), you reach the coverage gap. During the coverage gap you will have to pay 47.5 percent for most brand name drugs and 79 percent for generic drugs. This is because as a result of the health reform law, the coverage gap is slowly being phased out. It will be phased out by 2020 when you will typically pay no more than 25 percent for your drugs at anytime during the year after you've met your deductible.

In all plans, after you have spent $4,750 out of pocket you will leave the coverage gap and reach catastrophic coverage. Catastrophic coverage is when you will pay 5 percent of the cost of each drug, or $2.65 for generics and $6.60 for brand-name drugs (whichever is greater).

Sometimes, your out-of-pocket costs include those paid by others, including family members most charities or other persons, State Pharmaceutical Assistance Programs, AIDs Drug Assistance Programs and the Indian Health Service. Also included in the $4,750 is the 52.5 percent discount on brand-name drugs. The $4,750 does not include monthly premiums, the cost of drugs that are not on your plans list of covered drugs, drugs that you bought at pharmacies outside the plan’s network, or the 21 percent discount for generic drugs.

If you have Full Extra Help: $2.65 for generics and $6.60 for brand-name drugs. After your total drug costs reach $6,733.75 you will get catastrophic coverage and pay $0 for each drug for the rest of the calendar year.

If you have Partial Extra Help: 15 percent of each prescription or your plan's standard coinsurance (whichever is cheaper). After your total drug costs reach $6,733.75, you will get catastrophic coverage and pay $2.65 for generics and $6.60 for brand-name drugs for the rest of the calendar year.