medicare-part-d 2In preparation for the Medicare fall open enrollment period , employers sponsoring group health plans that include prescription drug coverage are required to notify all Medicare-eligible individuals whether such coverage is creditable. Creditable coverage means that the coverage is expected to pay, on average, as much as the standard Medicare prescription drug coverage.

Written Disclosure to Individuals –
Instructions here – CredCovDisclosureCMSInstructionsScreenShots110410
This written disclosure notice must be provided annually prior to October 15th, and at various other times as required under the law, to the following individuals:

* Medicare-eligible active working individuals and their dependents (including a Medicare-eligible individual when he or she joins the plan);
* Medicare-eligible COBRA individuals and their dependents;
* Medicare-eligible disabled individuals covered under an employer’s prescription drug plan; and
* Any retirees and their dependents.

Model notices are available from the Centers for Medicare & Medicaid Services (CMS). Click here for a sample word document that can be edited – Medicare Model Notice

Click here for CMS Website

Online Disclosure to CMS Also Required, the link to this registration is provided below. Instructions are attached.
Additionally, employers are required to complete an online disclosure to CMS to report the creditable coverage status of their prescription drug plans. This disclosure is also required annually, no later than 60 days from the beginning of a plan year, and at certain other times .


 I hope that you find this information useful.  Please let me know if I can be of assistance in this process.