Medicare Part D Creditable Coverage Notice

Employers must provide the Medicare Part D Creditable Coverage Notice to all Medicare-eligible employees and dependents by October 15, 2025.

Key Points

  • Distribution: Mail delivery of the notice is required. Given the timing, we also recommend sending the notice by email once materials are available to ensure employees receive it promptly.

  • Employer Requirements: CMS requires employees and dependents be informed annually whether coverage is creditable or non-creditable.

    • Medicare-eligible individuals are not only those over age 65 — they may also include employees or dependents under 65 with disabilities or certain conditions.

    • Even if you are unsure who in your group is eligible, you are still required to provide the notice to all participants.

Carrier Updates

Each carrier handles this requirement differently:

  • BCBS: Corrected letter now available – [View Document]

  • Aetna AFA: List of potential non-creditable plans available – [Download List]. Clients must email WestAAT@aetna.com with Plan ID, effective date, and plan name for confirmation.

  • Cigna: Proprietary tool pending release.

  • Baylor Scott & White (BSW): Still pending.

  • Nationwide (Allstate): Still pending.

👉 If your carrier isn’t listed here, or if you haven’t received carrier communications and still have questions, please reach out to us for guidance.

Employer Resources

We’ve provided the following resources as hyperlinks for your convenience:

Employers may download and customize these templates before distributing them to employees.

Disclaimer:
The Shields Agency is not engaged in the practice of law, compliance, or tax advising. We are not compliance attorneys or certified tax experts. The information provided here is intended solely as a helpful resource for our clients and should not be construed as legal or tax advice. Employers should consult with their own legal, compliance, or tax professionals regarding their specific obligations.

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