Form CMS-10198 Creditable Coverage Disclosure to CMS

Form Approved
OMB No. 0938-1013
Expires: TBD

CENTERS FOR MEDICARE & MEDICAID SERVICES
Creditable Coverage Disclosure to CMS Form
Instructions and Screen Shots
INTRODUCTION
The Medicare Prescription Drug, Improvement, and Modernization Act of 2003 (MMA) added a
prescription drug program to Medicare. Regulations to implement Medicare prescription drug
coverage were published January 28, 2005 (70 Fed. Reg. 4193 (2005)). This guidance pertains to
section 1860D-13 of the MMA, and the regulation at 42 CFR §423.56(e). Under those provisions,
most entities that currently provide prescription drug coverage to Medicare Part D eligible individuals
must disclose to the Centers for Medicare & Medicaid Services (CMS) whether the coverage is
“creditable prescription drug coverage” (Disclosure to CMS Form). A Disclosure to CMS Form is
required whether the entity’s coverage is primary or secondary to Medicare. Entities that must comply
with these provisions are listed in the regulation at 42 CFR §423.56(b) and are also referenced on the
creditable coverage homepage at http://www.cms.hhs.gov/creditablecoverage/. However, entities that
contract with Medicare directly as a Part D plan or that contract with a Part D plan to provide qualified
prescription drug coverage are exempt from the disclosure to CMS requirement. See 42 CFR
§423.56(e).
If an entity does not offer prescription drug benefits to any Medicare Part D eligible individual on the
beginning date of their plan year (renewal year, contract year, etc.), the entity is not required to
complete the Disclosure to CMS Form for that plan year.
In addition, employers and unions that applied and were accepted for the Retiree Drug Subsidy (RDS)
are exempt from filing the Disclosure to CMS Form only for the individuals and plan options for
which they are claiming the RDS. If the employer or union offers prescription drug coverage to any
other Medicare Part D eligible individual (active, disabled, COBRA or any retirees or dependents who
are covered by the employer or union but are not being claimed under the RDS), they must provide a
Disclosure to CMS Form for those plan options that cover those individuals and complete the
requested information.
The regulation at 42 CFR §423.56(e) states that CMS will provide additional information concerning
the required form and manner of disclosure to CMS. These instructions, in addition to the “Creditable
Coverage Disclosure to CMS Guidance", provide such additional information concerning those rules,
including the form, manner, and timing of providing a Disclosure to CMS Form.
CMS Form 10198-NC (Updated 07/2016)
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB
control number. The valid OMB control number for this information collection is 0938-1013. The time required to complete this information collection
is estimated to average 8 hours per response initially, including the time to review instructions, search existing data resources, gather the data needed,
and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving
this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.

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OVERVIEW OF REGULATORY REQUIREMENTS
Creditable Coverage Definition and Determination
As defined in the regulation at 42 CFR §423.56(a), drug coverage is creditable if the actuarial value of
the coverage equals or exceeds the actuarial value of standard Medicare prescription drug coverage, as
demonstrated through the use of generally accepted actuarial principles and in accordance with CMS
actuarial guidelines. In general, this actuarial determination measures whether the expected amount of
paid claims under the entity’s prescription drug coverage is at least as much as the expected amount of
paid claims under the standard Medicare prescription drug benefit. See 70 FR 4225 (2005).
This determination is identical to the first step (the “gross test”) in calculating actuarial equivalence for
purposes of 42 CFR §423.884, which applies when an employer or union applies for the RDS. The
gross test does not take into account the extent to which the coverage is financed by the beneficiary or
by the entity. See 42 CFR §423.884(d)(5)(ii)(A).
For plans that have multiple benefit options, the regulation requires that entities apply the gross test
separately for each benefit option. See 42 CFR §423.884(d)(5) (iv). A benefit option is defined at 42
CFR §423.882 as a particular benefit design, category of benefits, or cost-sharing arrangement offered
within a group health plan. Benefit option refers to the different categories of benefits and different
plan design options under a given type of coverage (e.g., HMO, PPO, Indemnity). Benefit options are
referenced on the Disclosure to CMS Form as “Options”.
The determination of creditable coverage status does not require an attestation by a qualified actuary
except for a benefit option(s) under a group health plan for which an employer or union is electing the
RDS. See the regulation at 42 CFR §423.884(d).
For purposes of the disclosure to CMS, a separate Disclosure to CMS Form is required for each type of
coverage sponsored by an entity (e.g., Medicaid, SPAP, Employer Plan, Church Plan, Standardized
Medigap Plan, Pre-standardized Medigap Plan).
Creditable Coverage Disclosure from Entity to CMS
The regulation at 42 CFR §423.56(e) requires all entities described in the regulation at 42
CFR §423.56(b) to disclose to CMS whether the prescription drug coverage that is offered to Medicare
Part D eligible individuals is creditable or non-creditable.
Who Must Provide the Disclosure to CMS Form
The Disclosure to CMS Form is required to be provided to CMS by certain entities listed at 42 CFR
§423.56(b) that are not excluded at §423.56(e). The entities exempted under §423.56(e) include PDPs,
MA-PDs, and PACE or cost-based HMOs or CMPs that provide “qualified Part D coverage” within
the meaning of 42 CFR §423.100.

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Entities that must provide a Disclosure to CMS Form include sponsors of:
•

Group health plans (offered by employers, union/Taft-Hartley plans, church, State and local
government, and other group-sponsored plans) including the Federal Employees Health
Benefits Program; and qualified retiree prescription drug plans as defined in section 1860D22(a)(2) of the Act;

•

Government sponsored plans, including Medicaid coverage under title XIX of the Act or under
a waiver under section 1115 of the Act; State Pharmaceutical Assistance Programs (SPAPs) as
defined at §423.454; and State High Risk Pools as defined under 42 CFR 146.113(a)(1)(vii);

•

Plans that provide coverage of prescription drugs for veterans, survivors and dependents under
chapter 17 of title 38, U.S.C.;

•

Plans that provide Military Coverage under chapter 55 of title 10, U.S.C., including TRICARE;

•

Plans that provide individual health insurance coverage (as defined in section 2791(b)(5) of the
Public Health Service Act) that includes coverage for outpatient prescription drugs and that
does not meet the definition of an excepted benefit (as defined in section 2791(c) of the Public
Health Service Act);

•

Coverage provided by the medical care program of the Indian Health Service, Tribe or other
Tribal Organization, or Urban Indian Organization (I/T/U);

•

Plans that provide coverage under a Medicare supplemental policy (Medigap policy), as
defined at 403.205, including standardized plans H, I or J; pre-standardized plans; waiver State
plans; and plans with innovative benefits; and

•

Plans that provide other coverage as the Secretary may determine appropriate.

If an entity does not offer outpatient prescription drug benefits to any Medicare Part D eligible
individuals on the beginning date of their plan year (renewal year, contract year, etc.), the entity is not
required to complete the Disclosure to CMS Form for that plan year.
The regulation at 42 CFR §423.884(c)(2)(iv) requires that a plan sponsor provide an attestation that its
prescription drug coverage is at least actuarially equivalent to the standard prescription drug coverage
under Part D as part of the application for the RDS. Therefore, because the actuarial equivalence
standard includes the creditable coverage standard, a sponsor that has been approved for the RDS is
exempt from filing the Disclosure to CMS Form only with respect to those qualified covered retirees
for which the Sponsor is claiming the RDS. The sponsor’s RDS application serves as its disclosure to
CMS under 42 CFR §423.56(e).

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Timing of Creditable Coverage Disclosure from Entity to CMS
As outlined under 42 CFR 423.56(e) and (f), and the Creditable Coverage Disclosure to CMS
Guidance Creditable Coverage to CMS Guidance , a Disclosure to CMS Form must be submitted to
CMS on an annual basis and upon any change that affects whether the drug coverage is creditable.
At a minimum, disclosure to CMS must be made at the following times:
1. For plan years that ended in 2006, Creditable Coverage Disclosure to CMS Form must have
been provided no later than March 31, 2006;
2. For plan years that end in 2007 and beyond, the Creditable Coverage Disclosure to CMS Form
must be provided within 60 days after the beginning date of the plan year for which the entity is
submitting the disclosure (e.g., the disclosure is for CY 2014, therefore the plan must submit
the Creditable Coverage Disclosure to CMS Form within 60 days of January 1, 2014) ;
3. Within 30 days after the termination of the prescription drug plan; and
4. Within 30 days after any change in the creditable coverage status of the prescription drug plan.
INSTRUCTIONS FOR PROVIDING DISCLOSURE TO CMS
Form and Manner of Disclosure from Entity to CMS
An entity is required to provide a disclosure to CMS through completion of the online Creditable
Coverage Disclosure to CMS Form (CMS-10198) available at:
http://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/index.html.
This method of transmission is convenient and will take minimal time to complete, and is the sole
method for compliance with the requirement.
NOTE: The Creditable Coverage Disclosure to CMS Form is required to be submitted online and not
in hard copy. Only sections relevant to the plan sponsor will be displayed online. To assist you in
completing the Creditable Coverage Disclosure to CMS Form, additional information and screen shots
regarding each section of the online form can be found in these instructions.

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CONTENT OF THE CREDITABLE COVERAGE DISCLOSURE TO CMS FORM
The disclosure submission process is composed of the following steps to complete the online
Creditable Coverage Disclosure to CMS Form:
•

Step 1 -Enter the Disclosure Information

•

Step 2 -Verify and Submit Disclosure Information, and

•

Step 3 -Receive Submission Confirmation

All fields are required unless otherwise indicated.
STEP 1- ENTER DISCLOSURE INFORMATION
All entities must complete Section A of Step 1 of the online Creditable Coverage Disclosure to
CMS Form.
If all options offered by your plan are creditable, you must complete additional information in Section
B of the Creditable Coverage Disclosure to CMS Form.
If all options offered by your plan are non-creditable, you must complete additional information in
Section C of the Creditable Coverage Disclosure to CMS Form.
If there are some creditable and non-creditable options offered by your plan, you must complete
additional information in Section D of the Creditable Coverage Disclosure to CMS Form.
Section A
Listed below are the required data fields in the online Creditable Coverage Disclosure to CMS Form
that must be populated. For entities with subsidiaries (division, line of business, operating unit, control
group, etc.), one Creditable Coverage Disclosure to CMS Form can be submitted to CMS for the entire
entity if the plan year is the same for all subsidiaries/divisions, or an additional form can be submitted
for each subsidiary (division, line of business, operating unit, control group, etc.) with the subsidiaryspecific information.
NOTE: As you answer the questions in Step 1, you must choose “Continue” after you have chosen the
correct “Creditable/Non-Creditable Options” to enter the additional required disclosure information
outlined in Sections B, C or D.

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Note: the items listed below are numbered, however the actual online form does not contain numbers
next to each of the fields. Please see the screen shots for a representation of the actual online form
fields.
1. Name of Entity Offering Coverage. This is the name of the entity that is providing or sponsoring
the plan of benefits to Medicare eligible individuals such as an employer, a union, the United States
Department of Veterans Affairs (VA) or a health insurance issuer. It is not the name of any carrier
that the entity may have contracted with for insurance coverage or for administration of its benefit
plan. For example, an employer contracts with a plan to provide benefits. The employer would
submit their name, not the name of the plan providing the benefits on behalf of the employer.
2. Federal Tax Identification Number of the Entity. For entities that have multiple subsidiaries
(divisions, lines of business, operating units, control groups, etc.) that are all covered under the
same type of coverage, the Federal Tax Identification Number (also known as the Employer
Identification Number, or EIN) for the parent company may be used when completing the entity’s
EIN information for the entire company. If the form is completed separately for individual
subsidiaries (divisions, lines of business, operating units, control groups, etc.), the EIN for each
subsidiary should be provided.
3. Street Address, including the City, State, Zip Code and Country of the Entity. For entities that
have many subsidiaries (divisions, lines of business, operating units, control groups, etc.) under the
same type of coverage, the street address for the parent company may be used when completing the
entity’s information.
4. Phone Number of the Entity. For entities with many subsidiaries (divisions, lines of business,
operating units, control groups, etc.) that have the same type of coverage, the phone number for the
Parent Company may be used when completing the entity’s information.
5a. Type of Coverage. The types of coverage (e.g., Medicaid, VA, SPAP) that must provide the
Creditable Coverage Disclosure to CMS Form are those entities listed under the regulation at 42
CFR §423.56(b) and are not excluded under 42 CFR §423.56(e).

5b. Description of “Other” Type of Coverage: If you selected “State Sponsored Plan: Other StateSponsored” or “other Type of Coverage Offered to Medicare Part D Eligible Individuals,” provide
a description of the coverage you are reporting.

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6. Number of Prescription Drug Options offered by the Entity. This is the total number of benefit
options as defined under 42 CFR §423.882 that the entity is offering to Medicare eligible
individuals, not being claimed for RDS. This is a numeric field and must be filled in with a
number.
For example, an employer plan may offer an HMO option, a PPO option and an indemnity option.
7. Creditable Coverage Status of Options offered by the Entity. If the options offered by the
entity are either all creditable or all non-creditable, the entities/plan sponsors may provide
aggregated data in the Creditable Coverage Disclosure to CMS Form for all options under the Plan.
If some of the options offered are creditable and some are not creditable, entities/plan sponsors
may combine the data for options that are creditable and combine the data for those options that are
not creditable in the disclosure. Once the entity selects “All Options Offered Are Creditable”, “All
Options Offered Are Non-Creditable” or “There are some Creditable and Non-Creditable Options
Offered” on the Disclosure to CMS Form, and clicks on the “Continue” button, they will then see
the appropriate section (Section B, C or D) that needs to be completed.
8. Click “Continue” to submit and continue entering the additional required data elements. Choose
“Clear All Fields” to clear the Creditable Coverage Disclosure to CMS Form in order to restart the
submission.

SECTIONS B, C & D
9a - 9b. Period covered by Creditable Coverage Disclosure to CMS Form. An entity is required to
provide the disclosure on an annual basis and upon a change to the status of their creditable
coverage. Each entity must provide the beginning and ending calendar date(s) of the plan year for
which such entity is providing the information.
For purposes of the Creditable Coverage Disclosure to CMS Form, CMS defines “Plan Year” as
the beginning and ending date of the entity’s annual renewal or contract period.
These dates must be entered using two (2) digits for the month, two (2) digits for the day, and four
(4) digits for the year, and the date field must be entered using the forward slash (/) between the
month and day and between the day and year (MM/DD/YYYY). Failure to enter the date in this
manner will result in an error message when submitting the information.
The plan year ending date cannot be more than 365 days (366 in a leap year) past the plan year
beginning date. For example, June 30 would be the plan year ending date when the plan year
beginning date is July 1.

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9c - 9d. Only pertain to entities who answered ‘There are Some Creditable and Non-Creditable
Options.’
9c. How Many Options Offered under this Plan are Creditable. This is the total number of benefit
options as defined under 42 CFR §423.882 that the entity is offering to Medicare eligible
individuals that are creditable. For example, an employer plan may offer an HMO option, a PPO
option, and an indemnity option, and a health insurance issuer may offer multiple individual health
insurance policies that include prescription drug coverage. This is a numeric field and must be
filled in with a number.
9d. How Many Options Offered under this Plan are Not Creditable. This is the total number of
benefit options as defined under 42 CFR §423.882 that the entity is offering to Medicare eligible
individuals that are not creditable. For example, an employer plan may offer an HMO option, a
PPO option, and an indemnity option, and a Medigap issuer may offer multiple Medigap policies
that include prescription drug coverage. This is a numeric field and must be filled in with a
number.
10. Number of Part D Eligible Individuals expected to be covered under these Plan(s) as of
the Beginning Date of the Plan Year. While CMS recognizes that many entities will not be able
to provide an exact number of Part D eligible individuals, entities should estimate the number of
covered Part D eligible individuals under the options offered under the type of coverage for which
they are providing the Creditable Coverage Disclosure to CMS Form. This estimate should be the
total number of Medicare eligible individuals, less any Medicare eligible individual(s) being
claimed under the RDS program, that are expected to be covered under the entity’s prescription
drug plan options (this includes active, disabled, individuals on COBRA and retired individuals).
For purposes of this disclosure question, a “Medicare eligible individual being claimed under the
RDS program” is any qualified covered retiree for which the entity is expected to collect the retiree
drug subsidy. This is a numeric field and must be filled in with a number.
Entities should work with their current vendors (Insurance carrier, TPA, PBM, Consultant, etc.) to
verify whether the prescription drug plan(s) offered by the entity covers any Medicare eligible
individuals (including active, retired, disabled individuals and their dependents or any individuals
on COBRA) at the start of each plan year.
If the entity has a plan participant that will be or becomes eligible for Part D coverage during the
plan year, the entity should not include these individuals on their Creditable Coverage Disclosure
to CMS Form if they were not effective on the beginning date of the plan year. These individual(s)
should be included on their annual disclosure at the beginning date of the next plan year. Entities
are required however, to provide a disclosure of creditable coverage status to the individual prior to
when they become Medicare eligible as outlined in the Creditable Coverage Disclosure to CMS

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Guidance located at https://www.cms.gov/Medicare/Prescription-DrugCoverage/CreditableCoverage/CCDisclosureForm.html
11. Out of the estimated number of those Medicare Part D Eligible individuals stated
above, how many are expected to be covered through an Employer/Union Retiree group
health plan.
(Applicable to Entities sponsoring Group Health Plans only. All other entities offering other
types of coverage should indicate a zero (0) in this field.)
Entities sponsoring a group health plan should estimate the number of Part D eligible individuals
covered under retiree plans for which they are providing the Creditable Coverage Disclosure to
CMS Form. This estimate should be the total number of Medicare eligible individuals, less any
Medicare eligible individual(s) being claimed under the RDS program, that are expected to be
covered under the entity’s RDS prescription drug plan options on the beginning date of the plan
year. For purposes of this disclosure question, a “Medicare eligible individual being claimed under
the RDS program” is any qualifying covered retiree for which the entity is expected to collect the
retiree drug subsidy. This number is a subset of question 10 and cannot be any larger than the
number stated in question 10. This is a numeric field and must be filled in with a number.
Entities should work with their current vendors (Insurance carrier, TPA, PBM, Consultant, etc.) to
verify whether the retiree prescription drug plan option(s) offered by the entity covers any
Medicare eligible individuals at the start of each plan year.
If the entity has a retired plan participant that will be or becomes eligible for Part D coverage
during the plan year, the entity should not include these retired individuals on their Creditable
Coverage Disclosure to CMS Form if they were not effective on the beginning date of the plan
year. These retired individual(s) should be included on their annual disclosure at the beginning
date of the next plan year. Entities are required; however, to provide a disclosure of creditable
coverage status to the individual prior to when they become Medicare eligible as outlined in the
Creditable Coverage Disclosure to CMS Guidance located at
https://www.cms.gov/Medicare/Prescription-DrugCoverage/CreditableCoverage/CCDisclosureForm.html
12. Date of Notice of Creditable Coverage provided to Part D Eligible Individuals.
An entity must disclose to CMS the latest calendar date on which it provided the required
creditable coverage or non-creditable coverage disclosure notices to Part D eligible individuals of
creditable or non-creditable coverage (i.e., mailed, personally distributed to Part D eligible
individuals, etc.) as required under 42 CFR §423.56 (c), (d) & (f).

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This date must be entered using two (2) digits for the month, two (2) digits for the day, and four (4)
digits for the year, and the date field must be entered using the forward slash (/) between the month
and day and between the day and year (MM/DD/YYYY). Failure to enter the date in this manner
will result in an error message when submitting the information.
13a - c. Reporting Changes in Creditable Coverage Status
13.a Change in previously disclosed Creditable Coverage Status information to CMS. Entities
also must provide a Creditable Coverage Disclosure to CMS Form if the creditable coverage status
of a type of coverage or any of the options previously disclosed to CMS changes. (Example: An
option was creditable and now is non-creditable or an option was non-creditable and is now
creditable.) This includes terminating a creditable coverage plan or option. (See below for more
information.)
Select “Yes” or “No” in the fields to report if a change in the creditable coverage status has
occurred since the last plan year disclosure or after the disclosure to CMS has been submitted for a
plan year.
13b. YES - Change in Status of Creditable Coverage; Effective date of the change in
status. If you selected “Yes,” enter the date the change in status occurred. This date must be
entered using two (2) digits for the month, two (2) digits for the day, and four (4) digits for the
year, and the date field must be entered using the forward slash (/) between the month and day and
between the day and year (MM/DD/YYYY). Failure to enter the date in this manner will result in
an error message when submitting the information.
13c. YES – Date Entity Disclosed to Medicare Part D Eligibles. If you selected “Yes,” disclose
to CMS the date on which it provided the required creditable coverage or non-creditable coverage
disclosure notices to Part D eligible individuals of the change in creditable or non-creditable
coverage status (i.e., mailed, personally distributed to Part D eligible individuals, etc.) as required
under 42 CFR §423.56(f)(2). This date must be entered using two (2) digits for the month, two (2)
digits for the day and four (4) digits for the year and the date field must be entered using the
forward slash (/) between the month and day and between the day and year (MM/DD/YYYY).
Failure to enter the date in this manner will result in an error message when submitting the
information.
Termination of a Plan or Option
Option Termination: If the entity terminates a creditable coverage option after the Creditable
Coverage Disclosure to CMS Form has been submitted for a plan year, the entity must complete a
new form. The new submission needs to indicate the new number of options being offered by the
entity and the new estimated number of Medicare eligible individuals and retirees that are covered

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under the plan as of the date of the change. The entity should indicate “Yes” to the question “Has
your Creditable Coverage Status (Creditable, Non-Creditable, Creditable/Non-Creditable Options
Offered) changed from the last plan year?”, and the entity must disclose to CMS the date in which
the change in creditable coverage status occurred and the date in which it provided the required
disclosure notices to Part D eligible individuals of the change in creditable coverage status (i.e.,
mailed, personally distributed to Part D eligible individuals, etc.) as required under 42 CFR
§423.56(f)(2). This date must be entered using two (2) digits for the month, two (2) digits for the
day, and four (4) digits for the year, and the date field must be entered using the forward slash (/)
between the month and day and between the day and year (MM/DD/YYYY). Failure to enter the
date in this manner will result in an error message when submitting the information.
Plan Termination: If the entity is terminating the creditable coverage plan after the Creaitable
Coverage Disclosure to CMS Form has been submitted for a given plan year, the entity must
complete a new form. The new submission needs to indicate that there are zero (0) options being
offered, that the plan is non-creditable, and that there are now zero (0) estimated Medicare eligible
individuals and retirees covered under the plan. The entity should indicated “Yes” to the question
“Has your Creditable Coverage Status (Creditable, Non-Creditable, Creditable/Non-Creditable
Options Offered) changed from the last plan year?”, and the entity must disclose to CMS the date
in which the change in creditable coverage status occurred and the date in which it provided the
required disclosure notices to Part D eligible individuals of the change in creditable coverage status
(i.e., mailed, personally distributed to Part D eligible individuals, etc.) as required under 42 CFR
§423.56(f)(2). This date must be entered using two (2) digits for the month, two (2) digits for the
day, and four (4) digits for the year, and the date field must be entered using the forward slash (/)
between the month and day and between the day and year (MM/DD/YYYY). Failure to enter the
date in this manner will result in an error message when submitting the information.

14a – 14d. Name, Title, Email of the Entity’s Authorized Individual and Date.
14a- 14c. Entity’s Authorized Individual Name, Title and Email. An “Authorized Individual” is the
person completing the Creditable Coverage Disclosure to CMS Form who is either: a) employed by
the entity; or b) contracted with the entity as an Authorized Individual to complete the Creditable
Coverage Disclosure to CMS Form on behalf of the entity. The Authorized Individual must
provide his or her name, title and email address. If the Authorized Individual does not have an
email account, follow the example on the form and enter [email protected].
14d. Today’s Date. The entity’s authorized individual must provide the
date on which he or she is submitting the Creditable Coverage Disclosure to CMS Form. This date
must be entered using two (2) digits for the month, two (2) digits for the day, and four (4) digits for
the year, and the date field must be entered using the forward slash (/) between the month and day

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and between the day and year (MM/DD/YYYY). Failure to enter the date in this manner will
result in an error message when submitting the information.
15. Choose “Continue” to move to Step 2 – Verify and Submit Disclosure Information.
Choose “Go Back to Edit Information” if you have made an error and need to make a correction to
the data elements entered. Choose “Clear All Fields” to restart the submission.
NOTE: If you have made an error while entering your disclosure elements, you will get a pop up
error message with an indication of where the error has been made, such as an error in your date
entry or failure to complete a required field. You will be required to make the correction to each
data field that has an error indicator next to it and then choose “Continue” to move to Step 2.
STEP 2 – VERIFY AND SUBMIT DISCLOSURE INFORMATION
Review and confirm your disclosure data entry. Select the “Submit Disclosure” button below to submit
your Creditable Coverage Disclosure to CMS Form. Select the “Go Back to Edit Information” button
below to change the information.
STEP 3 – RECEIVE SUBMISSION CONFIRMATION
Once you have clicked the “Submit” button on the online Creditable Coverage Disclosure to CMS
Form, and if you have completed the form correctly, then you will receive the following confirmation
message: “Thank you! Your Disclosure to CMS form has been submitted successfully to CMS. You
will receive a confirmation email for your records. Please print a copy of this confirmation page for
your records.”
This means that your Creditable Coverage Disclosure to CMS Form has been submitted
successfully to CMS. You should print a copy of this page for your records. If you receive an error
message after clicking the “Submit” button, go back and check your answers and correct the error that
was indicated in the error message. If you are unable to submit the form successfully, or if there is a
technical issue or an error message (that you are not able to correct) when submitting the online form,
contact the Disclosure to CMS Technical Help line at 1-877-243-1285.
Input Another Record Button
If the entity has another Creditable Coverage Disclosure to CMS Form to enter, click on the “Input
Another Record” button and a new online form will appear for the entity to complete. This feature is
available so that entities will not have to log out of the online form tool and log back in if they have
more than one benefit option and they were not able to combine their benefit options due to a different
plan year, or if the entity offers different types of coverage. For instance a State Government entity

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may have numerous types of coverage to disclose to CMS (i.e.: their employee benefit plan, their
Medicaid program, a state high risk pool plan and/or a State Pharmaceutical Assistance Program).
CONTACT FOR FURTHER INFORMATION
Visit the CMS website link related to Creditable Coverage issues at:
http://www.cms.gov/Medicare/Prescription-Drug-Coverage/CreditableCoverage/index.html
CMS may release Question and Answers relating to Creditable Coverage issues from time to time on
the CMS website under the Questions and Issues Database website which can be found at:
https://questions.cms.gov

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DISCLOSURE TO CMS FORM SCREEN SHOTS
These screen shots of the Creditable Coverage Disclosure to CMS Form accompany the instructions
provided within this document. The Creditable Coverage Disclosure to CMS Form must be completed
online at http://www.cms.hhs.gov/CreditableCoverage.
The screen shots of the Creditable Coverage Disclosure to CMS Form included in this document are
not valid for submission to CMS.
(Screen Shot 1: Introductory Language/Disclaimer)

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STEP 1- ENTER THE DISCLOSURE INFORMATION
Section A
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS
(Screen Shot 1: Step 1)

(Listing of Drop Down Items)
GROUP HEALTH PLAN: Employer Sponsored Plan
GROUP HEALTH PLAN: Union/Taft Hartley Sponsored Plan
GROUP HEALTH PLAN: Church
GROUP HEALTH PLAN: Federal Government
GROUP HEALTH PLAN: State Government
GROUP HEALTH PLAN: Local Government
GROUP HEALTH PLAN: Other Entity
STATE-SPONSORED PLANS: Medicaid
STATE-SPONSORED PLANS: State Pharmacy Assistance Program (SPAP)

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STATE-SPONSORED PLANS: State High Risk Pool
STATE-SPONSORED PLANS: Other State-Sponsored
MEDIGAP (Medicare Supplement) PLAN (as defined under §403.205): Standardized Plan (H,I, J)
MEDIGAP (Medicare Supplement) PLAN (as defined under §403.205): Pre-standardized Plan
MEDIGAP (Medicare Supplement) PLAN (as defined under §403.205): Waiver State Plan
MEDIGAP (Medicare Supplement) PLAN (as defined under §403.205): Innovative Benefit Rider
INDIVIDUAL HEALTH INSURANCE (Non-Medigap Plans)
VETERANS COVERAGE (under Chapter 17 of Title 38 U.S.C.)
MILITARY COVERAGE (under Chapter 55 of Title 10, U.S.C., including TRICARE)
INDIAN HEALTH SERVICE
TRIBE OR TRIBAL ORGANIZATION
URBAN INDIAN ORGANIZATION
OTHER TYPE OF COVERAGE OFFERED TO MEDICARE PART D ELIGIBLE INDIVIDUALS

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Section B – All Options Offered Are Creditable
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS
(Screen Shot 2)

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Section C – If All Options Offered Are Non-Creditable
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS

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(continued)

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Section D – There are Some Creditable and Some Non-Creditable Options Offered
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS

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STEP 2- VERIFY AND SUBMIT DISCLOSURE INFORMATION
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS

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STEP 3 – Print and Submit
SAMPLE DISCLOSURE FORM – NOT FOR SUBMISSION TO CMS

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