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Employer letter of creditable coverage sample 2025

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The document is a letter from the Department of Veterans Affairs informing CHAMPVA/Medicare beneficiaries about their creditable prescription drug coverage through CHAMPVA. It emphasizes that this coverage is comparable to Medicare's prescription drug plan and advises beneficiaries to keep the letter as proof. The letter also suggests comparing CHAMPVA benefits with Medicare Part D plans before enrolling, and highlights the option of ordering medications through Meds by Mail for those without other coverage.

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Who sends a creditable coverage notice?

Employers sponsoring a group health plan with prescription drug benefits are required to notify their Medicare-eligible participants and beneficiaries as to whether the drug coverage provided under the plan is creditable or non-creditable. This notification must be provided prior to October 15th each year.

Who provides a letter of creditable coverage?

You may show creditable coverage through a certificate of creditable coverage given to you by your prior plan or insurer (including an HMO) or by other proof. The plan can apply a pre-existing condition exclusion to you only if it has first given you written notice.

What are examples of creditable coverage?

You may have creditable coverage through a current or former employer, trade union, or one of the following: Federal Employee Health Benefits (FEHB) Program. Veterans Benefits. TRICARE (military health benefits)

Who should receive the creditable coverage notice?

This disclosure must be provided to Medicare eligible active working individuals and their dependents, Medicare eligible COBRA individuals and their dependents, Medicare eligible disabled individuals covered under your prescription drug plan and any retirees and their dependents.

How to get proof of creditable coverage?

A person will usually receive a Notice of Creditable Coverage in the mail every September, and they should keep this as proof should they later apply for Medicare coverage. If a person wishes to enroll in Medicare after their creditable coverage ends, they may be eligible for the Special Enrollment Period.

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How do I know if my coverage is creditable?

You should receive a notice from your employer or plan around September of each year, informing you if your drug coverage is creditable. If you have not received this notice, contact your human resources department, drug plan, or benefits manager.

What is a letter of creditable coverage from an employer?

A written certificate issued by a group health plan or health insurance issuer (including an HMO) that shows your prior health coverage (creditable coverage).

Employer letter of creditable coverage sample 2025

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