118 0 obj <>/Filter/FlateDecode/ID[<42F01C2157C7B84F8B68370DB96899C1>]/Index[95 38]/Info 94 0 R/Length 113/Prev 187714/Root 96 0 R/Size 133/Type/XRef/W[1 3 1]>>stream Keep this Notice. h�b``a``�d```;��01G��3013h��a�o�?�����AЁ����W?��z1X2�s0���S�`��c3��v�!��.�l�C�� �J endstream endobj 11 0 obj <>>> endobj 12 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 13 0 obj <>stream An individual is eligible for Medicare Part D if he or she: endstream endobj 96 0 obj <. endstream endobj 25 0 obj <>]/Cn[<>/Fi[<>]/P[<>/JTF 0/T<>/Cyan<>/Magenta<>/PANTONE#201675#20U<>/PANTONE#20186#20C<>/PANTONE#202685#20C<>/PANTONE#203405#20C<>/PANTONE#205815#20C<>/PANTONE#205835#20U<>/PANTONE#207405#20C<>/Yellow<>>>/TO[/Cyan/Magenta/Yellow/Black/PANTONE#202685#20C]>>/T true>>/TP<<>>/TR[]/W[0 0]>><>/JTF 0/T<>/Cyan<>/Magenta<>/PANTONE#201675#20U<>/PANTONE#20186#20C<>/PANTONE#202685#20C<>/PANTONE#203405#20C<>/PANTONE#205815#20C<>/PANTONE#205835#20U<>/PANTONE#207405#20C<>/Yellow<>>>/TO[/Cyan/Magenta/Yellow/Black/PANTONE#202685#20C]>>/T true>>/TP<<>>/TR[]/W[1 1]>>]/T<>/Cyan<>/Magenta<>/PANTONE#201675#20U<>/PANTONE#20186#20C<>/PANTONE#202685#20C<>/PANTONE#203405#20C<>/PANTONE#205815#20C<>/PANTONE#205835#20U<>/PANTONE#207405#20C<>/Yellow<>>>/TO[/Cyan/Magenta/Yellow/Black/PANTONE#202685#20C]>>/T true>>/TP<<>>/TR[]>>]/Type/JobTicketContents>>]/V 1.10001>>/Metadata 9 0 R/Pages 22 0 R/Type/Catalog>> endobj 26 0 obj <>/Font<>/ProcSet[/PDF/Text]>>/Rotate 0/TrimBox[0 0 612 792]/Type/Page>> endobj 27 0 obj <>stream %%EOF Coverage since you have creditable coverage available under the Health Benefit Fund. zQ�^D^�)i��6��>���^SnyJE/������ɓ�g7�7S:�����գ���g7����W?\]�;�X=y4�?�Տ?�;?����W������������꣗���߯W��毧���z����]�����V����������W'o֗���ǯW��o�o6��z����׫���_������G7��w�WON���7S מ�����n}����T�_=]ۃ߄�W�.���Li���r���տ^~S$���K����>;{w~���W�]m��'W�:3e��v��b��8~����z���~���/{e~��O7�����W����Y&�V'����׏.�^�'�:ݬ��2�d�ãX��������׾8 �����ȡ����7����?��N���ӟ��z����������� ����P=�r�� ����L-l'�z�ҽ� *�TsږT�bp��:����l�dQ��b��C�SSTM�\�Q5����P�>�S�O�d��S�S�m��u��qR��4?e�W}�F>��LEdʾM��I� ���D�)A������������~����8�N�l>M��'XZV���~�q�O���E���}��g�i��7M�N h�bbd```b``� "9�����D�Z�H�U �-D2���4"��)`��`]_�d�dy$ݟ�eE�"���C0i&O�ͿRY�H2���9 H�����t�r��6��@�|` q3h h�b```e``Z "S�32 � P����������0�)�V��p^��������(���� VlL��iQ ��20\d~�x���%�I���� 10 0 obj <> endobj 32 0 obj <>/Filter/FlateDecode/ID[<056892488B054DB4B9048EC0DB3D7963>]/Index[10 39]/Info 9 0 R/Length 108/Prev 448750/Root 11 0 R/Size 49/Type/XRef/W[1 3 1]>>stream This notice has information about your current prescription drug coverage with the Health and Benefit Trust Fund of … endstream endobj startxref When a person has creditable coverage, they may postpone enrollment in Medicare. %PDF-1.6 %���� �y�U@Uf8� lγ��Z�v�;����9�9Уg`�цE�%z2��:���㈃t����!�|E�8�X���s��� ٛ�dB��e�Ȅe%�e�|˄� ˄u�ÝJY�;,��|py~�3^N��hwV����/��*~�s~m�1�,�3��!f�f9�:"�YW�1!����VԺ�Qe]@3]���Q�M�m��P)�@��m��T� ��)���e���d/fw/v�������1��o/���oݲ�n9��2=�F��X��(� �$>�^�=�D��nÈ��.� �-�� O{H�v��Eڗ"CZ%H�Kp��X�`�9�G'��;�o�媷h�]�j�9�1�9� 1��،���(-�,�FJ�X6�i�d���矮��54��+��j(�Vl�X�[,7]��uc]�X�C#�����|����{���b�$���K���+�������`�;] T�����Ϟx��.��إ���.$��(vAi�ʀ�L:�(�k�u�n*��^��@���wV-��I�)�L 24 0 obj <> endobj About Your Prescription Drug Coverage and Medicare 2019 NOTICE OF CREDITABLE COVERAGE Please read this notice carefully and keep it where you can find it. ��%_ RV endstream endobj 28 0 obj <>stream • Creditable coverage means that the prescription drug coverage offered to you by the healthcare plan is, on average, as good as Medicare Part D coverage. 0 h޴WYo�8�+|� ������I/�AM��������wfD*�b�1��@S��|ߐc#gF2Y2��1�h&m�w�:f,s%�,�J3�P mVjf9g��!�DəUL*.�cFJf �g3��+�����2�a%PU~޼)�/�_�lU��)�≭���o7.�#��W��|͜�����ӻ��\{���zz���d�_7b#)lq8��WL���zww����@\#�K&9' �Z=��j�B)�@/ΪǺ�\�y:~�3�>֫��LJ�c5��G�j6���g5��i�� Gr΋�u�x o'�>�d endstream endobj startxref h�bbd```b``Z"���)rD2O���I�H8�]&��"�`��d�|�f�������Ic�m�t�+D���_�L@���e`�2�����'� *pL endstream endobj startxref 0 %%EOF 48 0 obj <>stream About Your 2020 Prescription Drug Coverage and Medicare Please read this notice carefully and keep it where you can find it. 0 Coverage that’s as good as Medicare is considered creditable coverage, meaning the plan benefits are as good as Medicare. Prescription drug coverage is creditable if the actuarial value of the coverage equals or exceeds the actuarial value of standard prescription drug coverage under Medicare Part D, as demonstrated through the use of generally accepted actuarial principles and in accordance with Centers for Medicare and Medicaid Services (CMS) actuarial guidelines. Because your existing coverage is creditable coverage, you can keep this coverage and not pay a higher premium (a penalty) if you later decide to join a Medicare drug plan. 50 0 obj <>/Filter/FlateDecode/ID[<4248516C5F824D4895A52D03EA58306B>]/Index[24 48]/Info 23 0 R/Length 120/Prev 511888/Root 25 0 R/Size 72/Type/XRef/W[1 3 1]>>stream If you enroll for Medicare Prescription Drug Coverage, you will need a copy of this Notice when you enroll. 2019 10 Creditable Coverage Notice - Medicare Part D Notice for 2020 Benefit Year CERTIFICATE OF CREDITABLE (DRUG) COVERAGE (MEDICARE PART D) Important Notice from AMERICAN LIBRARY ASSOCIATION. This Notice verifies that you have creditable coverage and that you are not required to pay the higher premium penalty. �. uʘ���mt�]b+U�Oul�^� ��X�%.D�R����k�� �P���c�Nx>C5'$�/~O෾���\�-�����y���7�P�M������/q��X����. h��[ioG��+�����yE����ј���cy �-���P�@��ѿ�x/2���l65�z� Y��#��Y1Nn�i�u�2y���'��˔��b�|/Sl�qJN/r���S %PDF-1.6 %���� December 31, 2019 for an effective date of January 1, 2020. 71 0 obj <>stream %%EOF e��C�MŦd�u9H�T��)]f�����6-n�M�=s:p�t�E&uF���`@A��["B�"a�|���@�M4xQf��7WI /"�h�=�G)ml�G|�_2h�l�s��O�=���ʑT�%�g;��ַx�G���E9��~+��סn�#��Ȟ��Q��G:�5�T��N�l�׶C:�J���:!�����u�Q����ѯw=s�xBY����⯸4mn"�"���mCS%|K�� �O� �vV �#��9K� �x�*�'u���*��2������tx�f:�Hs00��΅;������(c,@� ~�#G Creditable coverage allows beneficiaries to delay without worrying about being penalized and forced to pay a later enrollment penalty. h�bbd```b``� "��HF5�j"�A$�0��2�� XV,> ����������[���`�P��H2�l��@쩥@�߫gL@������ When Can You Join a Medicare Drug Plan? 95 0 obj <> endobj x�y|T��?~�]��d23wf���-�L����� $l��%�H¾D aQTJ� Medicare prescription drug coverage (“Medicare Part D”) became available in 2006 to everyone with Medicare. %PDF-1.7 %���� You can joinin a Medicare Part D drug plan when you first become eligible for Medicare, and each year from October 15. th.

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