Subject: Re: My $0/month premium Part D drug plan
{{ But what if we need a new unforeseen drug? }}

They don't expect you choose a drug plan with a "new unforseen drug". If your current plan's formulary doesn't include what's medically required, you can request an exception to the formulary for the remainder of the year -- and it will be covered subject to the $2,000 annual out-of-pocket max (i.e., you won't have a total drug bill of over $2,000 for the year.}

But you will need to chose a plan with the new drug in its formulary during the next year's open enrollment period.

intercst