Creditable Coverage and Medicare: Avoiding Lifetime Penalties
If your Medicare Part A has begun then you can only ever go 63 days without creditable drug coverage– or you will get a lifetime monthly penalty.
Creditable coverageNOT Creditable coverage
Employer Group Health InsuranceCOBRA
Federal Health Insurance benefitsMarketplace / ACA / Tax credit health insurance
VAGoodRX/TrumpRX/CleverRx
IHSManufacturers Discount programs
Medicare Prescription Drug Plan (PDP)Financial aid from the hospitals
Medicare Advantage w/ Prescription Drug Plan (MAPD)NO PLAN (‘because you don’t have medications yet’)


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I’m Katie Sutton

I’m your local insurance guide in Billings, Montana and the surrounding areas. I can help you pick the right health and Medicare plans just for you.

I also help with life insurance. Working with Smith Funeral Chapels, I can help you make sure your family won’t have to worry about money for your funeral. That way, they can focus on remembering you.

Whether you need health or life insurance, even just a small amount to cover your funeral expenses, I’m here to help. Let’s chat about your future today!

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