For the plan year 2025, CMS has announced some massive changes to the Part D program. These changes aim to streamline and simplify the Part D program for seniors.

Key Changes for 2025

Some of the fundamental changes for 2025 for the Part D program include:

  1. Removal of the Donut Hole (Gap Phase) and Initial Coverage Phase—These two are being merged and will now be referred to as the “Standard Coverage Phase.” This condenses the Part D program from four phases to three
  • Deductible
  • Standard
  • Catastrophic
  1. The Annual out-of-pocket (OOP) threshold is now $2,000 (up from the current $8,000) TrOOP.
  2. The sunsetting of the Coverage Gap Discount Program (CGDP) and establishing the Manufacturer Discount Program. This will impact what drugs receive discounts, how they are counted towards the $2,000 OOP, and who is responsible for the cost beyond the set amount.

Where does Morgan Senior Insurance Advisors come in?

Morgan Senior Insurance Advisor is a local family-owned and operated Medicare Agency, and will always keep you in the know about industry changes. Medicare changes yearly, and it’s best to understand new rules and regulations.

Don’t hesitate to call us today to help you with your general needs, Medicare supplement, or Advantage plan.


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727-486-4549 Monday to Friday 8:30 to 5:00 PM EST [email protected]