Coverage that’s expected to pay, on average, at least as much as standard Medicare prescription drug coverage. Learn more.

They may face a permanent Part D late enrollment penalty if they delay signing up without having creditable coverage.

If an employer fails to provide accurate creditable coverage information or misclassifies a non-creditable plan, Medicare-eligible individuals could face a lifetime Part D late enrollment penalty. This creates liability for the employer and can damage trust with employees or retirees.

You can determine creditable status using an actuarial evaluation—or by using our CMS-compliant, actuarial platform.

Employers offering prescription drug coverage to Medicare-eligible individuals. If you’re unsure, contact us and we’ll help you determine if your group needs to comply.

Notices must be sent by October 15 each year. We’ll remind you — and help you send them out with confidence.

The plan must be expected to pay at least as much as the Medicare standard benefit.

Absolutely. With the right resources, like our seamless platform, brokers can add real value by streamlining this annual process.

Yes. CMS recommends written documentation of the determination, and our platform provides a CMS-compliant letter automatically.

You could spend hours reviewing actuarial data — or you can use our easy platform to get a compliant answer in minutes.

Yes! Our secure dashboard lets you track determinations, client info, and documentation in one place. Learn more.

Yes. After using our platform you’ll receive a CMS-approved letter for your records and to send to your clients.

Definitely. Our platform is perfect for TPAs and benefit administrators who want to deliver extra value to their clients while ensuring compliance.

We're working on embedded and white-label options—reach out to us to learn more or join our pilot program.