If you offer prescription drug coverage through a group health plan, Medicare regulations require you to inform CMS and Medicare-eligble employees (sometimes retirees) annually at case install or renewal within 60 days window whether their employer-sponsored coverage is considered “creditable” under Medicare guidelines.

Coverage is considered creditable if it meets or exceeds the value of the standard Medicare Part D prescription drug plan.

It’s important to note that pharmacy plans within a high-deductible health plan (HSA-compatible) can be either creditable or non-creditable, depending on whether Medicare is the primary or secondary payer.

This guide highlights Medical plans that are classified as non-creditable. Any plans not listed in this guide are considered creditable.

Anthem Blue Cross Blue Shield

Non-Creditable Plans:

• Anthem Convenient Care HMO 8200/40%/9000 Rx $0/$10/$60/$125/$400 Lean Rx
• Anthem Convenient Care HMO 8200/40%/9000 Rx $0/$10/$60/$125/$400 Essential Tiered Rx

Prominence Health Plan

PPO HD 24

Total Benefit Solutions

All Total Benefit Solutions Large Group plans are considered creditable for the 2025 plan year.