Learn more about the Part D (Rx Drug) program. There are 4 coverage stages you need to be aware of: Deductible, Initial Coverage, Coverage Gap, and Catastrophic stages. We’ll explain what your Out of Pocket costs will be during these phases of your part D drug plan. Have a look at this very important introduction to the VERY confusing Part D (Prescription Drug Plan) component of Medicare. This video contains must hear considerations BEFORE you pick a plan.