Certificate of Creditable Coverage
A certificate of creditable coverage is a written statement from an insurer documenting the period a beneficiary held health or drug coverage at least as good as the applicable standard. For Part D, creditable prescription drug coverage helps a beneficiary avoid a late enrollment penalty when they later enroll.
Definition
A certificate of creditable coverage is a written statement from an insurer documenting the period a beneficiary held health or drug coverage at least as good as the applicable standard. For Part D, creditable prescription drug coverage helps a beneficiary avoid a late enrollment penalty when they later enroll.
Why it matters
Keeping proof of prior creditable coverage lets beneficiaries demonstrate continuous coverage and avoid unnecessary penalties or waiting periods.
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