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What expenses count towards my Medicare Part D True Out-of-Pocket Costs (TrOOP)?

Expenses that applies toward True Out-of-Pocket (TrOOP) Costs include:

Deductible if paid by a beneficiary or qualified 3rd party (such as SPAPs)
Co-payments or coinsurance made by the beneficiary
Co-payments or coinsurance made by a qualified third party (such as SPAPs) on behalf of the beneficiary
Low income subsidy amounts
Money spent out of pocket while in the Coverage Gap if paid by a beneficiary or qualify third party (such as SPAPs)

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