[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-279284-105":53,"doc-detail-279284-en":126},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":119,"head_meta":121,"extra_data":123,"updated_unix":125},105,"en","creditable-coverage-fact-sheet-2020-employer-medicare-notification","Creditable Coverage Fact Sheet - 2020 Employer Medicare Notification","","Creditable Coverage Fact Sheet explains how the Medicare Modernization Act requires employers with prescription drug coverage to notify Medicare-eligible policyholders whether their coverage is creditable. It details why timely creditable coverage letters matter, including the risk of late enrollment penalties and the relevant notification timing points for initial eligibility, new benefit coordination, and annual employer disclosures. It also outlines employer responsibilities to complete the Online Disclosure to CMS process and provides guidance on attestation, supported plan information resources, and the limits of legal advice.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/creditable-coverage-fact-sheet-2020-employer-medicare-notification/279284/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/creditable-coverage-fact-sheet-2020-employer-medicare-notification/279284.png","ImageObject",442,249,{"name":88,"@type":89},"Felix Montgomery","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-30","2026-09-16",true,{"@type":98,"interactionType":99,"userInteractionCount":8},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"What does “creditable coverage” mean under the Medicare Modernization Act?","Question",{"text":108,"@type":109},"It means the prescription drug coverage is expected to pay, on average, as much as the standard Medicare prescription drug coverage.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"When must employers provide notifications to Medicare-eligible policyholders?",{"text":113,"@type":109},"Employers must provide notifications when individuals become eligible before coverage effective dates, when coverage changes between creditable and non-creditable, when Medicare eligibility occurs for any reason without timely or accurate enrollment data, and for employees not enrolled with WHA.",{"name":115,"@type":106,"acceptedAnswer":116},"What is the “Online Disclosure to CMS” requirement and what are the key deadlines?",{"text":117,"@type":109},"Employers must complete the Online Disclosure to report creditable coverage status. It is due annually no later than 60 days from the beginning of a plan year, within 30 days after termination of a prescription drug plan, or within 30 days after any change in creditable coverage status.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},279284,1790370481,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":8,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":139,"read_time":4},549768064778,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","CREDITABLE COVERAGE FACT SHEET  \nThe Medicare Modernization Act (MMA) requires employers whose policies include prescription drug coverage to notify Medicare-eligible policyholders whether or not their prescription drug coverage is creditable coverage, which means that the coverage is expected to pay on average as much as the standard Medicare prescription drug coverage.  \nProper notification is essential to an individual’s decision whether to enroll in a Medicare Part D prescription drug plan. For example, the MMA imposes late enrollment penalties on individuals if they have not maintained creditable coverage for a period of 63 days or longer following their Initial Enrollment Period for the Medicare prescription drug benefit.  \nWestern Health Advantage (WHA) captures updated Medicare entitlement data for all of our enrollees, on a quarterly basis, with the Centers for Medicare & Medicaid Services (CMS) . We have regularly delivered the appropriate Creditable Coverage Letter or Non-Creditable Coverage Letter to members who are or become eligible for Medicare Part D, at the following times:  \n􀁸 Prior to an individual’s Initial Enrollment Period for Part D (in advance of their 65th birthday);  \n􀁸 When we learn of new coordination of benefits between Medicare and the WHA plan, based on our quarterly submissions; and  \n􀁸 Upon request by the enrollee.  \nBeginning in 2019: WHA will additionally provide the required annual notification to any of your employees that are Medicare-eligible and have WHA coverage, as follows:  \n􀁸 Prior to the Medicare Part D Annual Coordinated Election Period – October 15th through December 7th each year (or as determined by Medicare) .  \nYou remain responsible to provide notification to:  \n􀁸 Enrollees who are or become eligible for Medicare Part D prior to the effective date of coverage for any Medicare-eligible individual that joins the plan;  \n􀁸 Enrollees whose plan change results in a change from creditable to non-creditable coverage, or vice-versa (either due to group plan election or enrollee choice);  \n􀁸 Enrollees who become eligible for Medicare for any reason, if WHA isn’t timely notified or is provided inaccurate enrollment data; and  \n􀁸 Any employees not enrolled with WHA.  \nYou are also responsible to complete the “Online Disclosure to CMS” form to report the creditable coverage status of your enrollees’ prescription drug plan. This Disclosure should be completed annually no later than 60 days from the beginning of a plan year, within 30 days after termination of a prescription drug plan, or within 30 days after any change in creditable coverage status. For more information, please go to the “Disclosure to CMS Form” section at [www.cms.hhs.gov/CreditableCoverage](www.cms.hhs.gov/CreditableCoverage).  \nAs the employer, you are ultimately responsible to ensure proper notification and attestation. For a list of WHA plans and their creditable coverage status, as well as English and Spanish versions of the appropriate letters, [please visit choosewha.com/creditable](please visit choosewha.com/creditable).  \nWestern Health Advantage does not provide legal advice. This notice is for informational purposes only and does not constitute legal advice. Employers should consult with their own advisors and attorneys with regard to their legal and other regulatory requirements.","cbCaibZ6xec9ZQnT","https://ap.wps.com/l/cbCaibZ6xec9ZQnT","pdf",84906,"English","# Creditable coverage notification requirements\n## What creditable coverage means under the MMA\n## Why proper notification is essential\n## Letter delivery timing for Medicare eligibility and changes\n## Annual employer notification starting in 2019\n## Employer responsibilities beyond WHA\n## Online disclosure to CMS form and deadlines\n## Resources and legal disclaimer","[{\"question\":\"What does “creditable coverage” mean under the Medicare Modernization Act?\",\"answer\":\"It means the prescription drug coverage is expected to pay, on average, as much as the standard Medicare prescription drug coverage.\"},{\"question\":\"When must employers provide notifications to Medicare-eligible policyholders?\",\"answer\":\"Employers must provide notifications when individuals become eligible before coverage effective dates, when coverage changes between creditable and non-creditable, when Medicare eligibility occurs for any reason without timely or accurate enrollment data, and for employees not enrolled with WHA.\"},{\"question\":\"What is the “Online Disclosure to CMS” requirement and what are the key deadlines?\",\"answer\":\"Employers must complete the Online Disclosure to report creditable coverage status. It is due annually no later than 60 days from the beginning of a plan year, within 30 days after termination of a prescription drug plan, or within 30 days after any change in creditable coverage status.\"}]","Creditable Coverage Fact Sheet - 2020 Employer Medicare Notification | PDF",1789518498]