Prior to enrolling in the COSE MEWA, all employers must read and agree to the administration and compliance guidelines. Employers are also required to provide a Summary of Benefits and Coverage (SBC). Please see the below links for detailed information on employer requirements, plan SBCs, Underwriting Guidelines and more.

Summary Plan Description Help

Premium Only Plan

Medicare Part D

A prescription drug plan is considered “creditable” if its benefits are at least as good as government-defined Medicare Part D prescription drug plans.  To help Medicare-eligible participants decide whether or not to sign up for Part D coverage, group health plan sponsors are required by the federal government to send Medicare Part D (prescription drug) “creditable coverage” notices to their Medicare-eligible employees and dependents at various times during each year. 

As a courtesy, Medical Mutual will send your Medicare-eligible plan participants  (employees and dependents) their annual notice by the CMS deadline in October of each year.  Medicare eligibility of your plan participants is based on information in Medical Mutual’s system – participants who either will be age 65 or older at any time during the year, or who are under age 65 but otherwise qualify for Medicare due to disability.  If you know of other individuals covered by your plan who are eligible for Medicare but you have not communicated this information to Medical Mutual, it is your responsibility to notify those participants.

The COSE MEWA offers 18 plans to participating employers and their employees.  16 of those 18 plans are creditable regardless if the participant is Medicare Primary or Medicare Secondary.

For the HSA 4000 w/PD Rx and the HSA 6550 w/MMRx:

If Medicare pays primary to group coverage, then these plans are NOT creditable.
If Medicare pays secondary to group coverage, then these plans are creditable.
If you have any questions about the creditable coverage notice or your responsibility to provide it to your Medicare-eligible participants and dependents, please contact your Medical Mutual representative or broker.