Of course, restructuring is exactly what will happen. I just reviewed my Notice of Annual Change in Benefits for my AARP/United Medicare Advantage Plan.

The drug plan deductible has increased from $295 to $420. I did not see yet whether that deductible is applied to the $2000 cap on prescription drug coverage but likely not, as deductibles have generally not been applied to meeting the out of pocket expenses under most medical insurance plans.

I also have not yet had a chance to check out what drugs may have been dropped by the new formulary 2025 but it appears that there may be a lot of shuffling about what meds may be in what Tier.

No one should be surprised by all these changes resulting from the new $2000 Part D cap. Someone has to pay and it will not be the insurers, the providers, or the pharmaceuticals.

With Medicare going broke (meaning not being able to pay under the present benefit structure) now expected by 2036, there will likely be huge changes on the horizon.

For those of us who are not dual eligible, (Medicare and Medicaid), nor eligible for a retirement related medical plan, we can probably guess who will be paying.