If the drug is ruled “medically necessary” for you, it’s covered under the $2,000 annual out-of-pocket limit.
Apparently you can even get a high priced drug moved to a lower tier, if that’s the only drug that works for you. For example, my Part D plan dispenses 5 or 6 blood pressure medications at the lowest tier which is a zero dollar co-pay. If I tried all the cheap drugs and my blood pressure was only controlled by an expensive medication, I might be able to get that one moved to a lower tier if I can prove “medical necessity”.
intercst