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: 10.13.2026
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, 2026.
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) |
Pending |
|---|---|
| AmeriHealth (New Jersey) | All 2026 and 2027 Qualified Health Plans (for small groups) are creditable. All 2026 and 2027 standard large group plans are creditable. A chart is included in the letters that shows the cost-sharing of our 2027 standard large group prescription drug plans. In the coming weeks, we will send letters to small and large group customers as a reminder of the requirement to contact Medicare-eligible members regarding the creditability status of their prescription coverage |
| Anthem BCBS (Connecticut) | |
| Anthem / Empire BCBS (New York) | Please refer to Anthem's Rate Cards for creditable vs. non-creditable coverage based on plans. |
| Cigna (New Jersey, New York, Pennslyvania, Delaware, Connecticut, Florida) |
To assist your clients in determining their creditability coverage status, please click on the links below.
For letters to send to clients, please see below: |
| EmblemHealth (New York) | All Emblemhealth Plans are creditable. |
| Florida BCBS (Florida) | Pending |
| 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) |
We're providing an update regarding the creditable coverage status for our 2026 and 2027 small group prescription drug plans. This information is crucial for employers to comply with Medicare Part D disclosure requirements.
Creditable Coverage Notices Highmark Blue Cross Blue Shield Creditable Coverage Notice Highmark Blue Shield Creditable Coverage Notice Non-Creditable Coverage Notices Highmark Blue Cross Blue Shield Non-Creditable Coverage Notice Highmark Blue Shield Non-Creditable Coverage Notice |
| Horizon BCBSNJ (New Jersey) | Pending |
| Independence Blue Cross (Pennsylvania) | All 2026 and 2027 Qualified Health Plans (for small groups) are creditable. All 2026 and 2027 standard large group plans are creditable. A chart is included in the letters that shows the cost-sharing of our 2027 standard large group prescription drug plans. In the coming weeks, UHC will send letters to small and large group customers as a reminder of the requirement to contact Medicare-eligible members regarding the creditability status of their prescription coverage. |
| NY Health Alliance / MVP Plans (New York) | Pending |
| UnitedHealthcare / Oxford (New York, New Jersey, Pennsylvania, Delaware, Connecticut) | You can tests plans using the Creditable Coverage tools on UHC's website. Medicare Part D Creditable Coverage | Employer | UnitedHealthcare |
