After incurring $2,250 in drug costs, beneficiaries typically must pay all of the next $2,850, until catastrophic coverage kicks in.

A. Under almost all policies, coverage will kick in if you can't perform certain activities of daily living like walking, eating or bathing because of a physical or cognitive impairment.

When this "catastrophic coverage" kicks in, Medicare pays about 95% of all your prescription drug costs for the rest of the year.

At that point, Medicare's catastrophic coverage kicks in, generally paying 95 percent of further costs.

Policies differ, but long-term-care coverage often kicks in if you are unable to perform at least two activities of daily living like bathing, dressing, going to the toilet, or feeding yourself for 90 days.

If someone has $200,000 a year in retirement income, shouldn't they pay a little more before the catastrophic coverage kicks in?

The couple has to meet a $5,000 deductible each before their coverage kicks in.

Many HMOs have an affiliation period that you must wait out before your coverage kicks in.

The catastrophic coverage kicks in after beneficiaries have spent $3,600 of their own money.

After that point, catastrophic coverage kicks in.