---
title: Creditable/non-creditable coverage notice due by October 15, 2024
description: Employers must issue a creditable/non-creditable coverage notice to Medicare-eligible health plan participants by Oct 15 annually to meet requirements.
image: https://insights.bukaty.com/hubfs/AdobeStock_133192977.jpg
---

[![Bukaty Companies logo](https://insights.bukaty.com/hubfs/BukatyCompanies_April2016/layout/bukaty-logo-2015.png)](https://bukaty.com/)

- [About Us](https://www.bukaty.com/about-us)
- [Contact Us](https://www.bukaty.com/contact-us)

- [Employee Benefits](https://www.bukaty.com/employee-benefits) 
    - [Strategic Planning](https://www.bukaty.com/employee-benefits/strategic-planning)
    - [Data Analytics](https://www.bukaty.com/employee-benefits/data-analytics)
    - [Pharmacy Cost Control](https://www.bukaty.com/employee-benefits/pharmacy-cost-control)
    - [Disease Management & Wellness](https://www.bukaty.com/employee-benefits/disease-management-wellness)
    - [Technology Integration](https://www.bukaty.com/employee-benefits/technology-integration)
    - [Employee Engagement](https://www.bukaty.com/employee-benefits/employee-engagement)
    - [Worksite & International Benefits](https://www.bukaty.com/employee-benefits/worksite-and-international)
- [Business & Personal](https://www.bukaty.com/business-and-personal-insurance) 
    - [Business Insurance](https://www.bukaty.com/business-and-personal-insurance/business-insurance)
    - [Personal Insurance](https://www.bukaty.com/business-and-personal-insurance/personal-insurance)
- [HR Consulting](https://www.bukaty.com/hr-consulting) 
    - [Project Work](https://www.bukaty.com/hr-consulting-pages/project-work)
    - [Training](https://www.bukaty.com/hr-consulting-pages/training)
    - [Recruiting](https://www.bukaty.com/hr-consulting-pages/recruiting)
    - [HR Placement](https://www.bukaty.com/hr-consulting-pages/hr-placement)
    - [HR Concierge](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service)
- [Compliance](https://www.bukaty.com/compliance) 
    - [Compliance ✔](https://www.bukaty.com/compliance-pages/compliance-check-audit)
    - [Affordable Care Act (ACA)](https://www.bukaty.com/compliance-pages/affordable-care-act)
- [Benefit Admin](https://www.bukaty.com/benefit-administration) 
    - [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa)
    - [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement)
    - [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account)
    - [COBRA](https://www.bukaty.com/benefit-administration-2/cobra-administration)
    - [Combined Billing](https://www.bukaty.com/benefit-administration-2/combined-billing)
- [Payroll/Accounting](https://www.bukaty.com/payroll-accounting) 
    - [Payroll Administration](https://www.bukaty.com/payroll-accounting-2/payroll-administration)
    - [Time and Attendance](https://www.bukaty.com/payroll-accounting-2/time-and-attendance)
    - [Human Resource Capabilities](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities)
    - [Accounting Services](https://www.bukaty.com/payroll-accounting-2/accounting-services)

Close Menu

Search

- [Employee Benefits](https://www.bukaty.com/employee-benefits) 
    - [Strategic Planning](https://www.bukaty.com/employee-benefits/strategic-planning)
    - [Data Analytics](https://www.bukaty.com/employee-benefits/data-analytics)
    - [Pharmacy Cost Control](https://www.bukaty.com/employee-benefits/pharmacy-cost-control)
    - [Disease Management & Wellness](https://www.bukaty.com/employee-benefits/disease-management-wellness)
    - [Technology Integration](https://www.bukaty.com/employee-benefits/technology-integration)
    - [Employee Engagement](https://www.bukaty.com/employee-benefits/employee-engagement)
    - [Worksite & International Benefits](https://www.bukaty.com/employee-benefits/worksite-and-international)
- [Business & Personal](https://www.bukaty.com/business-and-personal-insurance) 
    - [Business Insurance](https://www.bukaty.com/business-and-personal-insurance/business-insurance)
    - [Personal Insurance](https://www.bukaty.com/business-and-personal-insurance/personal-insurance)
- [HR Consulting](https://www.bukaty.com/hr-consulting) 
    - [Project Work](https://www.bukaty.com/hr-consulting-pages/project-work)
    - [Training](https://www.bukaty.com/hr-consulting-pages/training)
    - [Recruiting](https://www.bukaty.com/hr-consulting-pages/recruiting)
    - [HR Placement](https://www.bukaty.com/hr-consulting-pages/hr-placement)
    - [HR Concierge](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service)
- [Compliance](https://www.bukaty.com/compliance) 
    - [Compliance ✔](https://www.bukaty.com/compliance-pages/compliance-check-audit)
    - [Affordable Care Act (ACA)](https://www.bukaty.com/compliance-pages/affordable-care-act)
- [Benefit Admin](https://www.bukaty.com/benefit-administration) 
    - [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa)
    - [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement)
    - [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account)
    - [COBRA](https://www.bukaty.com/benefit-administration-2/cobra-administration)
    - [Combined Billing](https://www.bukaty.com/benefit-administration-2/combined-billing)
- [Payroll/Accounting](https://www.bukaty.com/payroll-accounting) 
    - [Payroll Administration](https://www.bukaty.com/payroll-accounting-2/payroll-administration)
    - [Time and Attendance](https://www.bukaty.com/payroll-accounting-2/time-and-attendance)
    - [Human Resource Capabilities](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities)
    - [Accounting Services](https://www.bukaty.com/payroll-accounting-2/accounting-services)

![Two people taking prescribed medication](https://insights.bukaty.com/hs-fs/hubfs/AdobeStock_133192977.jpg?width=600&height=400&name=AdobeStock_133192977.jpg "Two people taking prescribed medication")

# Creditable/non-creditable coverage notice due by October 15, 2024

Authored by  Bukaty Companies on September 11, 2024

Employers have an annual obligation to issue a creditable or non-creditable coverage notice to all health plan participants who are Medicare-eligible, including dependents and retirees. The notice, due by October 15, informs Medicare-eligible participants whether their prescription drug coverage is at least as good as Medicare.

Should a prescription drug plan provide benefits that are less than Medicare offers, the coverage is deemed non-creditable. Medicare-eligible plan members with non-creditable coverage would be advised to enroll in a Medicare Part D prescription drug plan to avoid penalties at a future enrollment date.

Notices can be distributed by first-class mail, hand-delivered or emailed if recipients have access to the employer’s email system as part of their daily work duties. The email should note that the notice should be shared with all Medicare-eligible individuals under the group health plan.

Model notices are available to download from the [Centers for Medicare and Medicaid](https://www.cms.gov/medicare/employers-plan-sponsors/creditable-coverage/model-notice-letters) [Services.](https://www.cms.gov/medicare/employers-plan-sponsors/creditable-coverage/model-notice-letters) Most fully insured prescription drug plans are creditable. If you are unsure which notice to use, please check with your Bukaty Companies benefits consultant.

Download a customizable [creditable coverage disclosure notice](https://insights.bukaty.com/hubfs/2024/2024%20Benefit%20Bulletin/Creditable_coverage_disclosure_notice_2024.docx).

Download a customizable [non-creditable coverage disclosure notice](https://insights.bukaty.com/hubfs/2024/2024%20Benefit%20Bulletin/Non-creditable_coverage_disclosure_notice_2024.docx).

*Online disclosure also required*

An [online disclosure](https://surveys.cms.gov/jfe/form/SV_6ilHtZUoAtl92n4)requires employers to verify whether their company’s prescription drug coverage is creditable or non-creditable as defined by CMS. The disclosure requirement must be completed no later than 60 days after the beginning of a plan year. This is an annual requirement.

For additional information, contact your Bukaty benefits consultant at 913.345.0440.

 

 Blog Category: [Compliance](https://insights.bukaty.com/bulletins/topic/compliance)

- [Tweet](https://twitter.com/share)

## Related Posts

<https://insights.bukaty.com/bulletins/annual-pcori-fee-due-july-31-2026>

[Annual PCORI fee due July 31](https://insights.bukaty.com/bulletins/annual-pcori-fee-due-july-31-2026)

<https://insights.bukaty.com/bulletins/kansas-law-imposes-new-requirements-for-pharmacy-benefit-managers>

[Kansas law imposes new requirements for pharmacy benefit managers](https://insights.bukaty.com/bulletins/kansas-law-imposes-new-requirements-for-pharmacy-benefit-managers)

<https://insights.bukaty.com/bulletins/irs-announces-2027-hsa-and-hdhp-limits>

[IRS announces 2027 HSA and HDHP limits](https://insights.bukaty.com/bulletins/irs-announces-2027-hsa-and-hdhp-limits)

[View All](https://insights.bukaty.com/bulletins/creditable/non-creditable-coverage-notice-due-by-october-15-2024)

### View posts by category

- [Affordable Care Act (14)](https://insights.bukaty.com/bulletins/topic/affordable-care-act)
- [Benefits (23)](https://insights.bukaty.com/bulletins/topic/benefits)
- [Carrier Notice (41)](https://insights.bukaty.com/bulletins/topic/carrier-notice)
- [Compliance (76)](https://insights.bukaty.com/bulletins/topic/compliance)
- [Health Care Reform (17)](https://insights.bukaty.com/bulletins/topic/health-care-reform)
- [HSA (3)](https://insights.bukaty.com/bulletins/topic/hsa)
- [Insurance (1)](https://insights.bukaty.com/bulletins/topic/insurance)
- [Workplace Insights (4)](https://insights.bukaty.com/bulletins/topic/workplace-insights)

![blue line, red square orange square blue square green square light blue square blue line](https://insights.bukaty.com/hubfs/BukatyCompanies_April2016/images/breaker-1.png)

- [EMPLOYEE BENEFITS](https://www.bukaty.com/employee-benefits)

- [Strategic Planning](https://www.bukaty.com/employee-benefits/strategic-planning)
- [Data Analytics](https://www.bukaty.com/employee-benefits/data-analytics)
- [Pharmacy Cost Control](https://www.bukaty.com/employee-benefits/pharmacy-cost-control)
- [Disease Management & Wellness](https://www.bukaty.com/employee-benefits/disease-management-wellness)
- [Technology Integration](https://www.bukaty.com/employee-benefits/technology-integration)
- [Employee Engagement](https://www.bukaty.com/employee-benefits/employee-engagement)
- [Worksite & International Benefits](https://www.bukaty.com/employee-benefits/worksite-and-international)
- [M&A Services](https://www.bukaty.com/employee-benefits/m-and-a-services)

- [BENEFIT ADMINISTRATION](https://www.bukaty.com/benefit-administration)

- [HSA](https://www.bukaty.com/benefit-administration-2/health-savings-account-hsa)
- [HRA](https://www.bukaty.com/benefit-administration-2/health-reimbursement-arrangement)
- [FSA](https://www.bukaty.com/benefit-administration-2/flexible-spending-account)
- [COBRA](https://www.bukaty.com/benefit-administration-2/cobra-administration)
- [Combined Billing](https://www.bukaty.com/benefit-administration-2/combined-billing)

CORPORATE HEADQUARTERS

- 4601 College Blvd., Suite 100, 200
- Leawood, KS 66211
- Benefits phone: 913.345.0440
- P&C phone: 913.951.2400

- [HR CONSULTING & TRAINING](https://www.bukaty.com/hr-consulting)

- [Project Work](https://www.bukaty.com/hr-consulting-pages/project-work)
- [Training](https://www.bukaty.com/hr-consulting-pages/training)
- [Recruiting](https://www.bukaty.com/hr-consulting-pages/recruiting)
- [HR Placement](https://www.bukaty.com/hr-consulting-pages/hr-placement)
- [HR Concierge](https://www.bukaty.com/hr-consulting-pages/hr-concierge-service)

- [PAYROLL & ACCOUNTING](https://www.bukaty.com/payroll-accounting-3)

- [Payroll Administration](https://www.bukaty.com/payroll-accounting-2/payroll-administration)
- [Time & Attendance](https://www.bukaty.com/payroll-accounting-2/time-and-attendance)
- [Human Resource Capabilities](https://www.bukaty.com/payroll-accounting-2/human-resource-capabilities)
- [Accounting Services](https://www.bukaty.com/payroll-accounting-2/accounting-services)

### KANSAS CITY, MISSOURI

- 9200 NE Barry Road, Suite 200
- Kansas City, MO 64157
- Phone: 816.781.4922

- [COMPLIANCE](https://www.bukaty.com/compliance)

- [Compliance √](https://www.bukaty.com/compliance-pages/compliance-check-audit)
- [Affordable Care Act](https://www.bukaty.com/compliance-pages/affordable-care-act)

- [BUSINESS & PERSONAL INSURANCE](https://www.bukaty.com/business-and-personal-insurance)
- [Business Insurance](https://www.bukaty.com/business-and-personal-insurance/business-insurance)
- [Personal Insurance](https://www.bukaty.com/business-and-personal-insurance/personal-insurance)

- [ABOUT US](https://www.bukaty.com/about-us)

- [WHY BUKATY COMPANIES](https://www.bukaty.com/why-chose-bukaty)

- [CAREERS](https://www.bukaty.com/careers)

- [CONTACT US](https://www.bukaty.com/contact-us)

### LAWRENCE, KANSAS

- 1811 Wakarusa Dr, Suite 101
- Lawrence, KS 66047
- Phone: 913.345.0440

### ROSSVILLE, KANSAS

- P.O. Box 6
- Rossville, KS 66533
- Phone: 785.584.6043

[Privacy Policy](https://bukaty.com/privacy-policy) | [Terms & Conditions](https://www.bukaty.com/terms-and-conditions) | [Data Privacy Request](https://na2.hs-data-privacy.com/request/u3oSHq0fVfy2Yjy0yPv6XA) | © 2026 Bukaty Companies

[![LinkedIn icon](https://insights.bukaty.com/hubfs/BukatyCompanies_April2016/layout/LinkedIn-icon.png)](http://www.linkedin.com/company/bukaty-companies)[![Facebook icon](https://insights.bukaty.com/hubfs/BukatyCompanies_April2016/layout/facebook-icon.png)](http://www.facebook.com/pages/bukaty-companies/200660503298720)