Powering today’s M3P payment experience.
Paytient powers ~50% of Medicare Part D plans now required to offer affordable prescription drug options under the Medicare Prescription Payment Plan (M3P). We deliver fast implementation, member communications that connect, and the data to keep you compliant and strong.
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We partner with major insurers, and pharmacy benefit managers (PBMs) to power the technology for the Medicare Prescription Payment Plan (M3P).
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Everything you need to run M3P — without the scramble.
We’ve been smoothing out-of-pocket costs since 2018. Now you can use our proven technology and trusted services to meet and exceed M3P requirements.
White glove implementation
- Get up and running quickly—our team knows the program and the operational realities
- Integrate seamlessly with PBM and member management systems for a smooth plan and member experience
End-to-end support from our team
- Opt-in management, member communications, billing workflow—all handled as one connected solution
- Program support includes omnichannel statements, ledgering and lockbox services, and escalated member support
Actionable insights to boost performance
- Get data and analytics on member behavior, program performance, and financial outcomes
- Optimize strategy and manage risk with confidence
Smart statements and payments
- Statements are optimized to remove confusion and ensure clarity, showing amount owed, when it’s due, and how to pay
- Multi-channel payment options and autopay support to improve compliance
Simple at every step.
At the pharmacy and beyond, members get the clarity needed to confidently fill prescriptions and repay over time.
Simple enrollment
Any Medicare Part D beneficiary can use the GetMyMeds.com to find the right form, submit securely, and transmit to the plan.
Simple pharmacy coverage
Members pay nothing at the pharmacy for covered Part D drugs. The plan pays the pharmacy directly.
Simple invoicing
Out-of-pocket prescription costs are billed in monthly installments, allowing beneficiaries to repay over time.
Simple payment options
Beneficiaries can pay their way: online, on the phone, or by mail. Enrolling in autopay is simple and intuitive.
No surprises at the pharmacy. A predictable path forward.
Cost-smoothing is often the difference between an unfilled prescription with health outcomes left to chance, and medications taken consistently in accordance with vital treatment plans.
Capped monthly payments
Instead of paying out-of-pocket costs all at once at the pharmacy, M3P spreads them out into manageable increments paid over the calendar year.
Payment timing changes–not prices
While the program does not remove a beneficiary’s responsibility, it does support members in managing costs.
Out-of-pocket max
In 2026, the Part D out-of-pocket max is $2,100, whether or not a payment plan is scheduled.
Why members love Paytient.
A Better Care Economy is rising. Be part of it.
A new standard for prescription affordability has arrived. Paytient was built for this moment. Our platform now supports thousands of plans, PBMs, insurers, and employers working to make care more accessible and choice more real.
Affordability
Help keep prescriptions in reach by removing out-of-pocket costs as a barrier to adherence.
Access
Let’s ensure more people can fill their prescriptions and get the care they need–without delay or fear.
Choice
By shifting dollars and decisions back to the people, we fuel healthier decisions, better outcomes, and lower costs.
Better M3P payments start with the right partner.
The nation’s leading health plans and PBMs rely on Paytient’s powerfully simple and secure M3P solution. Find out how you can streamline compliance and increase member satisfaction.
FAQs
Get answers to common (but key) questions about Paytient.
What is the Medicare Prescription Payment Plan?
The Medicare Prescription Payment Plan (M3P) is a federal program launched January 1, 2025, under the Inflation Reduction Act. It allows Medicare Part D beneficiaries to spread their out-of-pocket prescription drug costs across monthly installments throughout the plan year, rather than paying the full amount at the pharmacy counter. The M3P payment plan caps annual out-of-pocket costs at predictable monthly amounts — no lump sums, no interest, no fees.
How do I enroll in the Medicare Prescription Payment Plan?
Enrolling in the Medicare Prescription Payment Plan is managed through your Medicare Part D plan or Medicare Advantage plan with drug coverage. You can opt in through GetMyMeds.com or contact your plan directly during Open Enrollment (October 15 – December 7) or at other qualifying times. Once enrolled, your plan handles the monthly billing automatically — you don't need to do anything at the pharmacy.
How does Paytient support the Medicare Prescription Payment Plan experience?
Paytient provides the technology infrastructure that health plans and PBMs need to run M3P compliantly and at scale. M3P solutions sound simple on paper, but the operational complexity is real — monthly payment calculations change with each prescription fill, billing systems need to reconcile dynamically, and member communications must meet CMS standards. Paytient handles that infrastructure, so plans can focus on serving their members rather than building compliance machinery from scratch.
How does the Medicare Prescription Payment Plan work?
The Medicare Prescription Payment Plan works by removing upfront costs at the pharmacy. Once enrolled, members pay $0 for covered Part D drugs. Their plan bills them monthly for the cost-sharing they accumulate. The annual out-of-pocket maximum is divided into manageable installments, so members who take high-cost medications early in the year aren't hit with a single large payment. Plans are required to offer this to all Part D beneficiaries — and required to manage the billing, communications, and reconciliation that come with it.
Will I still need to pay anything when I pick up my medications?
No. Once you're enrolled in M3P, you pay $0 at the pharmacy for covered Part D drugs. Your cost-sharing is billed to you monthly by your plan. You'll receive a statement showing what you owe for that month based on the prescriptions you filled.
Who is eligible to participate in the Medicare Prescription Payment Plan?
All Medicare Part D beneficiaries, including those in standalone Part D plans and Medicare Advantage plans with drug coverage are eligible to opt into M3P. Your plan is required by law to offer it. There are no income thresholds or application requirements beyond enrollment in a qualifying plan.