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CMS Creditable Coverage Notice

The Medicare Modernization Act requires employers who offer prescription coverage to notify their employees whether their coverage is creditable. In case you don't know, a prescription drug plan is "creditable" when that plan is equal to or better than Medicare Part D coverage.

Most of Dean Health Plan's Large and Small Group products meet the CMS requirements for creditable coverage. However, please note that some HSA-eligible HDHP options may not meet the CMS creditable coverage requirements due to the higher single/family deductible levels. See the table below for more information. For more information on creditable coverage, please contact your Account Manager or visit cms.gov.

Plan 3: $10/50%/50%/50%
Plan 4: $25/50%/50%/50%

HDHP Deductible

Coinsurance

Provides Creditable Rx Coverage?

$1,500/$3,000

0%

Yes

$1,500/$3,000

20%

Yes

$2,000/$4,000

0%

Yes

$2,000/$4,000

20%

Yes

$2,500/$5,000

0%

Yes

$2,500/$5,000

20%

Yes

$3,000/$6,000

0%

Yes

$3,000/$6,000

20%

No

$3,500/$7,000

0%

No

$3,500/$7,000

20%

No

$5,000/$10,000

0%

No

$5,000/$10,000

20%

No