Medicare Part D Creditable Coverage Disclosure Requirements

The Medicare Modernization Act (MMA) mandates that employer group health plan sponsors disclose to Medicare eligible individuals with Rx coverage under the plan whether coverage is “creditable”. Employers must make this disclosure to Medicare Part D eligible individuals no later than October 15.

The employer, not the insurance company, is responsible to provide notice to the Medicare Part D eligible individuals.

You can obtain a generic employee notice at: Creditable Coverage Disclosure Notice

Or here’s a sample letter we put together for some of our clients:
Sample Creditable Coverage Letter

A separate electronic disclosure of Creditable Coverage status must be made by the employer to CMS no later than 60 days after the beginning of each plan year. For more information go to

Additional Creditable Coverage information is available on the CMS website at:

Please contact us if you have questions or we can be of assistance.

Disclaimer: This information should not be construed as legal advice or as a legal opinion on any specific facts or circumstances, and is not intended to replace advice of independent legal counsel.