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En español | If your former employer or union plan is considered “creditable,” that is, it is at least as good as Medicare Part D’s coverage, you can:

  • Keep your current drug plan without paying a penalty for Part D if you enroll at a later date.
  • Drop your current drug plan and join a Medicare prescription drug plan. If you choose this option, be aware that you may not be able to get your employer or union drug plan back if you change your mind. Check with your employer or union to see if you can rejoin at a later date and it may affect the enrollment of your spouse and other dependents.                                                                                                                 

If your former employer or union plan is not considered “creditable,” that is, it covers less than a Medicare prescription drug plan, you can:

  • Keep your current drug plan and join a Medicare prescription drug plan to give you more complete prescription drug coverage.
  • Just keep your current drug plan . However, if you join a Medicare prescription drug plan later, you may have to pay more for the monthly premium (a late enrollment penalty).
  • Drop your current drug plan and join a Medicare prescription drug plan. However, you may not be able to get your employer or union drug plan back if you change your mind.

For more information, check with the person that answers questions about your employer or union drug plan.


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