How to Handle Plan Design Changes Mid-Year

Mid-year changes happen. Carriers switch, formularies shift, or employers move from fully insured to level-funded. But here’s what most don’t realize:

Any significant change can affect a plan’s creditable status.

What Triggers Re-testing?

• Carrier or PBM changes

• Shift in cost-sharing or copay structure

• New or dropped drug coverage tiers

• Self-funded plan redesigns

Best Practices:

1. Re-test the plan using updated documents

2. Generate a new determination letter for your records

3. Re-send notices if creditable status has changed

With Creditable, you can re-test a plan in minutes and protect your team from last-minute surprises or noncompliance.