Medicare Part D Creditable Coverage Notice Reminder
Posted on September 8, 2025
Due before October 15, 2025
As part of the Medicare Prescription Drug Improvement and Modernization Act (MMA) employers who offer prescription drug coverage must provide a notice to all Medicare-eligible employees and dependents each year. This notice informs individuals whether their prescription drug coverage is considered “creditable” (equal to or better than Medicare’s standard plan) or “non-creditable”.
What to know:
- Notices must be distributed prior to the Medicare Annual Election Period which begins on October 15 each year.
- Notices must be sent to all Medicare-eligible plan participants and dependents, not just those enrolled in the employer’s plan.
- Employers must also disclose their plan’s status to CMS by completing the online CMS Disclosure Form. This must be submitted:
- Within 60 days of the start of each plan year,
- Within 30 days after termination of a prescription drug plan, and
- Within 30 days after any change in creditable coverage status.
Download the model notices here:
- Model Creditable Coverage Disclosure Notice
- Model Non-Creditable Coverage Disclosure Notice
- Model Non-Creditable Coverage Disclosure Notice (Spanish)
- Model Creditable Coverage Disclosure Notice (Spanish)
File the CMS Disclosure Form online:
Delivery Options: Notices may be delivered by mail or electronically. Electronic delivery is permitted if employees have regular work-related computer access or if other recipients provide written consent. Employers must also notify recipients that they are responsible for sharing the notice with any Medicare-eligible dependents.
If you or your clients need additional guidance or support, please us know — we’re here to help ensure everything is filed on time.