Does Medigap Cover Drugs? 
Medigap policies do not cover medications . Part D plans provide consumers with protection against very high drug costs . Essentially , all Part D plans provide the consumer with about a 25-30 % discount on the first $ 2900 of medications during the year . Above that , the plans provide a 52.5 % discount on most covered brand name drugs . In the event of medications costing more than $ 4700 over the course of the year , the plans cover 95 % or more of the medications . 