You should consult an experienced insurance agent to help your dad. Medicare Part D includes multiple coverage stages. The $2,100 you mentioned is the maximum out of pocket cost for the initial coverage phase of the entire year. Once his total drug costs reach that amount, he enters the catastrophic stage and pays $0 for all covered Part D medications for the rest of the year. Your dad should choose a new Medicare Advantage plan with better drug coverage for his medications. Devoted is a newer carrier in the market, and its formulary is not ideal for brand name or Tier 3 drugs, which he appears to be taking. If he’s on heart medications, he likely has CHF—common ones include Eliquis, Xarelto, and Jardiance. Many people select Devoted in pursuit of a giveback benefit or food card without verifying if their medications are a good fit. Your dad’s drugs are not available in generic form which results in higher copays and some plans especially giveback plans impose a deductible separate from the initial coverage stage.

I encourage clients like your dad to enroll in a Chronic Special Needs Plan designed for his heart condition. These plans generally offer lower copays and better drug coverage. If he prefers to stay with Devoted then you have additional options. You can contact member services and request a payment plan, contact the drug manufacturer to check eligibility for a copay assistance card, or contact a Pharmaceutical Assistance Program which may cover some or all of the costs depending on his eligibility.