Creditable coverage, answered in seconds.
Upload the plan document. Creditable reads it, runs the actuarial value, and keeps a record of exactly how the answer was reached.
Creditable is a better way to handle creditable coverage.
An all-in-one compliance platform that makes it easy to determine whether a client's plan meets CMS standards, regardless of carrier. Upload the plan documents and the plan design comes out structured and ready for your review.
It reads the document so you don't have to.
| Services you may need | What you will pay (network provider) |
|---|---|
| Prescription drug deductible | $150 per person, per plan year |
| Generic drugs | $10 copay/prescription (retail), $25 (mail order) |
| Preferred brand drugs | $35 copay/prescription (retail), $87.50 (mail order) |
| Non-preferred brand drugs | $70 copay/prescription (retail) |
| Specialty drugs | 25% coinsurance, up to $250 per prescription |
| Out-of-pocket limit | $4,000 individual / $8,000 family |
From a PDF to a defensible answer.
You get the determination, and everything a client might ask you about how you got there.
Upload and confirm
Plan design is read out of the SBC and shown for your review before anything runs.
Determine
Actuarial value calculated server side against the plan year parameters.
Record
Inputs, method, and outcome stored together. The notice generates from the same record.
Every client, every plan, in one place.
See what has been determined, what is still open, and what needs another look, across every employer you serve.
Good morning, Dana
Recent determinations
View allACA Affordability Testing
Activity
Move the plan design. Watch the answer move.
A simplified illustration of the relationship between plan design and actuarial value, which is the whole question behind a creditable coverage determination.
Illustrative only. The threshold shown reflects the 73% actuarial value standard for plan year 2027. A real determination uses the full parameter set for the plan year and records what it used.
Fast, consistent, and documented.
Speed
A complete Part D determination in seconds, from the same document you already have on file.
Compliance
Every result is produced against 42 CFR §423.56 and the CMS defined standard benefit for that plan year.
Accuracy
Actuarial logic rather than lookup tables, so two people running the same plan get the same answer.
Transparency
Clear inputs, clear outcomes. Each determination keeps the parameters it used and the reasoning behind it.
Try it on a plan you already know.
Pick one you've already run yourself. We'll go through it together, and you can see how the numbers line up.