Changes to the employer’s health plan can affect whether your coverage remains creditable for Medicare Part B. Review any plan updates carefully and contact the employer’s benefits office to confirm whether the coverage is still considered creditable.

If you later enroll in Medicare Part B during a Special Enrollment Period, you may be required to submit Form CMS-L564, which you and the employer completes to verify that you had creditable employer coverage. Keeping documentation of your coverage can help you avoid potential gaps in Medicare coverage and a late enrollment penalty.