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To be considered creditable, your plan must pay on average as much as the standard Medicare prescription drug coverage. If you have one of these plans which could be through a current or former employer or union, TRICARE, Indian Health Service, the Department of Veterans Affairs, a Medicare Advantage plan that includes drug coverage, or another group health plan you should get a notice every year from your healthcare provider explaining that your drug coverage is considered creditable. Keep this letter, recommends Fassieux, because you could need it if you join a Medicare drug plan later..
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