Glossary · Medicare
What is creditable coverage?
For Medicare drug coverage, creditable coverage is coverage similar in value to Part D. Going 63 days or more without it after you are first eligible can lead to a Part D late enrollment penalty.
Definition and figures from Medicare.gov, HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.
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Creditable coverage: the facts
| Item | Fact | Source |
|---|---|---|
| Part D rule | 63 days or more without it can trigger a penalty | Medicare.gov: Avoid late enrollment penalties |
| HealthCare.gov list | Group plans, individual insurance, Medicare, Medicaid, TRICARE, and others | HealthCare.gov glossary: Creditable coverage |
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What does creditable coverage mean in health insurance?
For Medicare drug coverage, creditable coverage is coverage similar in value to Part D. Going 63 days or more without it after you are first eligible can lead to a Part D late enrollment penalty.