Medicare Part D Creditable vs. Non-Creditable Coverage | Information by Carrier
To better assist your clients, Savoy compiled a list of carriers and their Medicare Part D Creditable and Non-Creditable status information.
Published: 10.16.2025
WHATMedicare Part D Creditable vs. Non-Creditable Status Lists and Information by Carrier.
WHEN
The Employer Medicare Part D Notice is required to be provided prior to October 15, 2025.
BACKGROUND INFORMATION
Medicare Part D Creditable and Non-Creditable status determination is the employer's responsibility when the employer is the plan sponsor. If the carrier states that the health plan is non-creditable, the benefits may still be creditable if the employer has an HRA arrangement. The employer would have to override the carrier notice. Therefore, it is the employer's responsibility to examine all of the benefits that the employer is providing and determine the creditability of the prescription coverage. The carrier is only providing notification regarding the creditability of the coverage that the carrier provides.
For details on the Medicare Part D Employer Notification Requirements, visit our broker reference guide. CARRIER SPECIFIC INFORMATION
In an effort to assist you when consulting with our mutual clients, below is a list of the small group carriers and their Medicare Part D Creditable and Non-Creditable status determination information:
| Aetna (New Jersey, New York, Pennslyvania, Delaware, Connecticut) |
Please reach out to Aetna for specific plan information. |
|---|---|
| AmeriHealth (New Jersey) | Pending |
| Anthem BCBS (Connecticut) | The prescription drug benefit included in all of the 2026 Connecticut Small Group ABF Plans are considered “creditable.” The 2026 Connecticut Small Group ACA Plans that include “noncreditable” prescription drug benefits are outlined HERE. Plans not listed on the next page are considered “creditable.” |
| Anthem / Empire BCBS (New York) | Please see our rate card showing row Medicare Part D Creditable Coverage Status for each plan offering. |
| Cigna (New Jersey, New York, Pennslyvania, Delaware, Connecticut, Florida) | Please use the following spreadsheets to assist your clients in determining their creditability coverage status: |
| EmblemHealth (New York) | All plans except Bronze plan options are creditable. See our Medicare Creditable flyer for 2026. |
| Florida BCBS (Florida) | A list of the Florida Blue Non-Creditable plans by year can be found HERE. |
| HealthPass (New York) | Guidelines for Medicare Part D plan status is the same policy as each of their carrier partners; EmblemHealth, Anthem BCBS and UnitedHealthcare/Oxford. |
| Highmark (Delaware New York, West Virginia and Pennslyvania) | Highmark has determined the creditable coverage status for all 2025 and 2026 ACA and grandmothered small group prescription drug plans. For 2026, all plans across these markets are expected to qualify as "creditable coverage" except for one specific plan in West Virginia. For 2025, while most plans qualify as "creditable coverage," there are specific exceptions in each region. Use the Non-Creditable Plans links below for each region List of Non-Creditable Plans by region: |
| Horizon BCBSNJ (New Jersey) | Pending |
| Independence Blue Cross (Pennsylvania) | For standard plans, please refer to the letter HERE. For nonstandard plans - refer to your carrier for testing. |
| NY Health Alliance / MVP Plans (New York) | Pending |
| UnitedHealthcare / Oxford (New York, New Jersey, Pennsylvania, Delaware, Connecticut) | A Medicare Part D Creditable prescription plans status data tool is available on UnitedHealthcare’s Medicare Part D Creditable Coverage website HERE. Oxford NY - All 2026 plan offerings are Medicare Creditable. |
