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I Have Drug Coverage Through My Employer, Do I Need a Medicare Part D Plan Too?


That depends if the coverage is considered credible by Medicare. If the coverage is considered credible, then you are not required to enroll in a Medicare drug plan. This means that your employer prescription drug coverage is expected to pay, on average, as much as the standard Medicare prescription drug plan.  

Your employer must provide a creditable coverage notice to all Medicare eligible individuals. Additionally, once you decide to move to a Medicare Part D prescription drug plan, your employer must provide you with a creditable coverage letter to give to Medicare so that you are not penalized for not having coverage.

Learn More: When can I enroll in Medicare Part D?

People Also Read: I Don’t Take Any Prescriptions, Why Do I Need a Medicare Drug Plan?

Meet Melissa MacCalla

Medicare is not simple and can be hard, frustrating, and downright confusing for most. I love when I get someone on the phone and I am given the opportunity to explain the difference in plans to them and have Medicare make sense. I enjoy talking to clients year after year, hearing about their families growing or them asking about mine.


Senior Healthcare Solutions, you truly stand out from most other insurance agents. Thank you so much for all of your help and I know that you will have nothing but success with how you conduct business.

Joan B.

Montgomery, AL

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