Medicare.gov

Cobertura válida para medicamentos recetados.

Creditable prescription drug coverage is prescription drug coverage that’s expected to pay, on average, at least as much as Medicare drug coverage. This could include drug coverage from a current or former employer or union, TRICARE, the Indian Health Service, or the Department of Veterans Affairs (VA). Your current plan must tell you if your drug coverage is creditable prescription drug coverage.

¿Por qué necesito tenerlo?

Even if you don’t use a lot of prescription drugs now, consider getting Medicare drug coverage when you first sign up for Medicare. If you go 63 days or more in a row without Medicare drug coverage OR other creditable prescription drug coverage after you were eligible for Medicare, you may have to pay a lifetime Part D late enrollment penalty if you sign up for Medicare drug coverage later. How do I avoid late enrollment penalties?

When you join a Medicare drug plan or health plan, it may send you a letter asking if you had creditable prescription drug coverage. If you get a letter, you must complete the form and return it by the deadline in the letter. If you don't return the form by the deadline, the plan won't know if you had other creditable prescription drug coverage, and you'll be charged a late enrollment penalty.

La cobertura de medicamentos que ya tiene puede cambiar si la conserva y también se inscribe en la cobertura de medicamentos de Medicare. 

  • Usted, su cónyuge o sus dependientes pueden perder toda la cobertura de salud de su empleador o sindicato si obtiene cobertura de medicamentos de Medicare.
  • Los costos de medicamentos de su bolsillo con la cobertura de medicamentos de su empleador o sindicato podrían ser diferentes en comparación con los costos de medicamentos de su bolsillo con la cobertura de medicamentos de Medicare.

If you have (or are eligible for) other types of drug coverage, read all the materials you get from your insurance company or plan provider. Talk to your benefits administrator, insurance company, or plan provider before you make any changes to your current coverage. Learn more about how other coverage works with Medicare.

Si yo tengo (o mi cónyuge tiene) cobertura médica de un empleador o sindicato, ¿puedo mantenerla?

La cobertura de medicamentos por receta es un Seguro. Las muestras de médicos, las tarjetas de descuento, las clínicas gratuitas o los sitios web de descuentos de medicamentos no se consideran cobertura de medicamentos.

¿Qué desea hacer?