A clear guide to Medicare Part D drug coverage and cost assistance for 2026. Learn about the $2,100 out-of-pocket cap, Extra Help eligibility, insulin limits, and how to choose the right plan.
Generic drugs cost 80-85% less than brand-name drugs because they don't need to repeat expensive clinical trials. They contain the same active ingredients, work the same way, and are held to the same safety standards. The price difference comes from competition, not quality.