--- title: Creditable/non-creditable coverage notice due by October 15 description: Notices inform Medicare-eligible plan members how their prescription coverage compares to Medicare. Plan sponsors must complete CMS online disclosures. image: https://insights.bukaty.com/hubfs/prescription%20drugs%20blue%20pills%20medicine_2022.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) - 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[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) ![prescription drugs blue pills medicine_2022](https://insights.bukaty.com/hs-fs/hubfs/prescription%20drugs%20blue%20pills%20medicine_2022.jpg?width=627&name=prescription%20drugs%20blue%20pills%20medicine_2022.jpg "prescription drugs blue pills medicine_2022") # Creditable/non-creditable coverage notice due by October 15 Authored by Bukaty Companies on September 19, 2022 Employers have an annual obligation to issue a creditable or non-creditable coverage notice to all 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 as 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. Model notices are available to download from the [Centers of Medicare and Medicaid](https://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/Model-Notice-Letters)[Services](https://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/Model-Notice-Letters). Download the [Credita](https://view.officeapps.live.com/op/view.aspx?src=https%3A%2F%2F2073866.fs1.hubspotusercontent-na1.net%2Fhubfs%2F2073866%2F2022%2F2022%2520Benefit%2520Bulletin%2FCreditable_coverage_disclosure_notice_2022.docx&wdOrigin=BROWSELINK)[ble coverage disclosure notice](https://view.officeapps.live.com/op/view.aspx?src=https%3A%2F%2F2073866.fs1.hubspotusercontent-na1.net%2Fhubfs%2F2073866%2F2022%2F2022%2520Benefit%2520Bulletin%2FCreditable_coverage_disclosure_notice_2022.docx&wdOrigin=BROWSELINK). Download the [Non](https://view.officeapps.live.com/op/view.aspx?src=https%3A%2F%2F2073866.fs1.hubspotusercontent-na1.net%2Fhubfs%2F2073866%2F2022%2F2022%2520Benefit%2520Bulletin%2FNon-creditable_coverage_disclosure_notice_2022.docx&wdOrigin=BROWSELINK)[-creditable coverage disclosure notice](https://view.officeapps.live.com/op/view.aspx?src=https%3A%2F%2F2073866.fs1.hubspotusercontent-na1.net%2Fhubfs%2F2073866%2F2022%2F2022%2520Benefit%2520Bulletin%2FNon-creditable_coverage_disclosure_notice_2022.docx&wdOrigin=BROWSELINK). Most fully insured prescription drug plans are creditable. If you are unsure which notice to use, please check with your Bukaty Companies benefits consultant. *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. 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 [Annual PCORI fee due July 31](https://insights.bukaty.com/bulletins/annual-pcori-fee-due-july-31-2026) [Kansas law imposes new requirements for pharmacy benefit managers](https://insights.bukaty.com/bulletins/kansas-law-imposes-new-requirements-for-pharmacy-benefit-managers) [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/noncreditable-coverage-notice-due-by-oct15) ### 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. 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