Personal Finance · T617 · Medicare Prescription Payment Plan

M3P Monthly Cap Calculator

Recomputes the Medicare Prescription Payment Plan maximum monthly cap under 42 CFR 423.137(c)(1): the first-month formula and the every-subsequent-month formula. Verified by exhaustive enumeration over the full declared 4,830,023-state cents/months domain, not a sample. Rounding is declared half-up-to-the-cent since the regulation itself states no rounding rule for the division step.

M3P CY2026 Zero PII Client-Side
Scope & reliance: 🔒 All inputs are processed locally in your browser. No data is transmitted. Do not enter real personal data — use synthetic or anonymised inputs only. This tool recomputes the CMS formula from the numbers you enter; it does not track a real enrollee's true out-of-pocket accumulation, does not enroll anyone in M3P, and does not assert that any actual participant's bill is correct. Estimate only, not an official CMS or plan communication, and not financial or legal advice. Deterministic logic · no inference · zero PII · runs offline · CC BY 4.0.
Monthly Cap Inputs
Out-of-pocket costs already incurred this plan year (42 CFR 423.137(b)(2)). 0–2100.
Includes the month the cap is being calculated for (42 CFR 423.137(c)(3)). 1–12.