The standard benefit is not the most common benefit mix offered in Part D plans. Only 11% of plans in 2010 offered the defined standard benefit described above. Plans vary widely in formularies and cost-sharing. Most eliminate the deductible and use tiered drug co-payments rather than coinsurance. The only out-of-pocket costs that count toward getting out of the coverage gap and into catastrophic coverage are True Out-Of-Pocket (TrOOP) expenditures. TrOOP expenditures accrue only when drugs on plan's formulary are purchased in accordance with the restrictions on those drugs. Monthly premium payments do not count towards TrOOP.