When is the Medicare Part D creditable coverage notice due?
Before October 15 every year. Employers that offer prescription drug coverage must tell all Medicare-eligible plan members — employees, spouses, dependents, and retirees — whether that coverage is 'creditable' (at least as good as Medicare Part D), using the CMS model notice, ahead of Medicare's annual enrollment period.
Thursday, October 15, 2026in 106 daysWho it applies to
Employers that offer prescription drug coverage to any Medicare-eligible individual (employees, spouses, dependents, retirees). You must tell them whether the coverage is 'creditable' — at least as good as Medicare Part D.
If you miss it
There's no direct fine, but failing to notify can leave individuals facing a permanent Medicare Part D late-enrollment penalty — a real liability and employee-relations risk.
Also asked as: medicare part d notice deadline reddit · creditable coverage notice deadline · october 15 medicare notice
Sources
Keep reading
Last verified Saturday, June 13, 2026 · General information for employers and HR teams, not legal advice.
All compliance answers