What is the Medicare Prescription Payment Plan?

If you are struggling to manage your prescription copays, the Medicare Prescription Payment Plan, also called MPPP or M3P, may be right for you. It’s a new government program that allows you to pay a capped monthly payment for your prescription copays, so you don’t have to worry about paying everything all at once at the pharmacy.

This program may help you manage your costs, but it won’t change how much you pay for your prescriptions. It won’t lower your drug costs, but you also won’t be charged any interest.

Who’s eligible?

As part of the Inflation Reduction Act, this program will be available in 2026 for Medicare Advantage members with prescription drug coverage, as well as members with Part D prescription drug plans.

While anyone can sign up, this program works best for people with high-cost prescriptions throughout the year.

If you’re low income and have certain resource limits, the government’s low-income subsidy program called Extra Help might be a better fit for you. Unlike this payment plan, Extra Help can save you a significant amount of money on prescriptions.


How it works

If you have this payment plan, you no longer pay anything at the pharmacy. When you get a prescription filled, we’ll automatically let the pharmacy know you’re participating in this payment option. You’ll then receive a monthly bill from WyoBlue.

The total of your monthly bill can vary. It’s based on what you would have paid for any prescriptions you get, plus your previous month’s balance, divided by the number of months left in the year.

Even though you won’t pay for your drugs at the pharmacy, you’re still responsible for the costs. If you want to know what your drug will cost before you take it home, ask your pharmacist.

Your total yearly cost can never exceed the 2026 Part D out-of-pocket maximum, which is $2,100.

You can learn more about this program by reading the CMS Fact Sheet.


How to sign up

If you’re a current member opting for coverage in 2026, you can sign up for the payment plan now. It starts Jan. 1, 2026. You can sign up online. You’ll be taken to an external site where your information will be encrypted and securely sent.  Sign up now

You can also sign up by mailing us a completed Medicare Prescription Payment Plan Participation Request Form. Or you can call the number on the back of your WyoBlue member ID card.

If you sign up for the Medicare Prescription Payment Program during Open Enrollment, WyoBlue must process the request within 10 calendar days. If you sign up during the plan year, WyoBlue must process the request within 24 hours and communicate an approval, request for additional information, or denial.

How do I pay my bill

You can pay your bill using any of the following methods:

• Online at via your member portal with credit, debit or bank account.
  • Go to WyoBlueAdvantage.com/account to create an account or log in (available 1/1/26).
  • Once you’re in the portal, click Optum Pharmacy on the right-hand side.
  • Select Benefits and claims and select Medicare Prescription Payment Plan. 
• Through the mail with a check. Please include the tear-off portion of your bill with your check. Write your Member ID on the check. Mail the check to the addressed listed on your bill. 
• By phone. Optum customer service can assist with payments over the phone: 1-855-812-4306 TTY: 711 

How to file a complaint

If you wish to file a compliant regarding your payment plan, you can find all the information you need on our Grievances page.


How to cancel

You can cancel or opt out of your payment plan at any time by calling the number on the back of your WyoBlue member ID card.

Keep in mind that you’re required to pay any amount you may owe. You can choose to pay that amount all at once or to pay monthly installments.