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Reference
Appendix and Legal Notices
Important Notice About Your Prescription Drug Coverage and Medicare
(for Participants Who Are Eligible for Medicare)
Please read this notice carefully and keep it where you can find it.
This notice contains information about your current
prescription drug coverage with the Aflac Employee
Health Plan and prescription drug coverage available for
those on Medicare. This information can help you decide
whether or not you want to join a Medicare drug plan. It
also tells you where to find more information to help you
make decisions about your prescription drug coverage.
There are two important points you need to know about
your current coverage and Medicare’s prescription drug
coverage:
1. Medicare prescription drug coverage is available to
everyone on Medicare. You can get this coverage if
you join a Medicare Prescription Drug Plan or join a
Medicare Advantage Plan (such as an HMO or PPO)
that offers prescription drug coverage. All Medicare
drug plans provide at least a standard level of
coverage set by Medicare. Some plans may also offer
more coverage for a higher monthly premium.
2. Aflac has determined that the prescription drug
coverage offered by the Aflac Employee Health Plan is,
on average for all plan participants eligible for Medicare,
expected to pay as much as standard Medicare
prescription drug coverage pays and is considered
Creditable Coverage. Because your existing coverage is
Creditable Coverage, you can keep this coverage and
not pay a higher premium (a penalty) if you later decide
to join a Medicare drug plan.
Read this notice carefully: It explains your options under
Medicare prescription drug coverage and can help you
decide whether you want to enroll.
When Can You Join a Medicare Drug Plan?
• From Oct. 15 to Dec. 7 of each year, you will have
the opportunity to enroll in a Medicare prescription
drug plan. You may also join a Medicare drug plan
when you first become eligible for Medicare.
• If you lose your current creditable prescription drug
coverage through no fault of your own, you will be
eligible for a two-month special enrollment period to
join a Medicare drug plan.
• If you enrolled in a Medicare prescription drug plan
between Nov. 15, 2006 and May 15, 2007 or decide
to enroll between Oct. 15 to Dec. 7 of any year there-
after, and you drop your Aflac Employee Health Plan
prescription drug coverage, you may not be able to
be reinstated to the Aflac Employee Health Plan.
• You should compare your current coverage, including
covered drugs, to the coverage and cost of plans offer-
ing Medicare prescription drug coverage in your area.
• When the Medicare Part D benefit becomes available,
two prescription drug coverage options are available.
You may:
• Retain your existing coverage with the Aflac
Employee Health Plan and choose not to
enroll in a Part D Plan; or
• Enroll in Medicare Part D as a supplement to,
or in lieu of, other coverage.
Your current Aflac Employee Health Plan coverage pays
for other health expenses in addition to prescription
drugs, and you’ll still be eligible to receive all of your
