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What if the individual has prescription drug coverage from an employer or union?

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What if the individual has prescription drug coverage from an employer or union?

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Members get a notice of Creditable Coverage from their employer or union explaining if their plan covers as much or more than the Medicare prescription plan. If their plan is better than or as good as Medicare, they can keep it without paying a higher premium when joining later. Otherwise, they must join within the specified period to avoid penalties.

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