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$500 x 6=$3,000/12=$250 Mary’s deductible is $250. Once Mary meets the $250 deductible by purchasing covered prescription drugs, she is eligible to purchase covered prescription drugs at the co-payment amounts through the remainder of her benefit period. Jim’s eligibility and benefit period are not affected. If the couple’s income were between 200% and 240% of the FPL, the example would be the same except that the $500 deductible would be $850. 33.9.2.2 Adding A Spouse, No FTG Change, At level 3 If the couple’s income is greater than 240% of the FPL and Spouse 2 becomes eligible after Spouse 1’s benefit period has begun, the procedure differs according to whether the spenddown has been met at the time Spouse 2’s eligibility begins. 33.9.2.2.1 Unmet Spenddown When Spouse 2 is added before Spouse 1 has met the spenddown, covered prescription drug purchases of both spouses will count toward the remaining spenddown requirement. After the spenddown has been met, both spouses begin to participate at Level 2b, and each will have a deductible requirement. The deductible for Spouse 1 is $850. The deductible for Spouse 2 is prorated (33.9.3.1 FTG CHANGES AT LEVEL 2A AND 2B). Members will get a discount off the retail price for most covered prescription drugs during the deductible period. After a spouse has met their deductible, they purchase covered prescription drugs at the co-payment amounts for the remainder of the benefit period. Example 3 Reginald and Elizabeth’s joint income is $3,000 more than 240% of the FPL for a FTG of two. Elizabeth applies in December and is determined eligible for SeniorCare effective January 1. Only Elizabeth’s covered prescription drug costs are applied toward the spenddown. In March, Reginald turns 65 and is determined eligible for SeniorCare beginning April 1. His benefit period ends December 31, when Elizabeth’s ends. Since Elizabeth has not yet met the spenddown when Reginald’s eligibility begins, both spouses’ covered prescription expenses are applied toward the remaining spenddown amount, beginning April 1. In June, Elizabeth and Reginald meet the spenddown. Elizabeth has a $850 deductible, but Reginald’s deductible is prorated. Since there are nine months in his benefit period, $850 is multiplied by nine and the total is divided by 12. $850 x 9 = $7,650/12 = $638 Reginald’s deductible is $638. Once Reginald meets the $638 deductible, he purchases covered prescription drugs at the copayment amounts through the remainder of his benefit period. Once Elizabeth meets her $850 deductible, she purchases covered prescription drugs at the copayment amounts through the remainder of the benefit period. 33.9.2.2.2 Met Spenddown When a second spouse is added after the spenddown has been met, the eligibility and benefit period for Spouse 1 is not affected. If Spouse 2’s income was included in Spouse 1’s determination and the spenddown has been met, the deductible for Spouse 2 is prorated (33.9.2.1). Members will get a discount off the retail price for most covered prescription drugs during the deductible period.