Speak with a licensed sales agent
1-800-991-4407 / TTY 711
10 a.m. to 9 p.m. Eastern, Monday to Friday

2019 Medicare Special Enrollment Periods

Medicare Advantage plans are not always open for enrollment, and missing an enrollment period can complicate your healthcare options. Understanding the enrollment periods helps you make informed decisions.

2019 Medicare Special Enrollment Periods

Enrollment periods are determined in two ways. Some periods happen only within certain dates, while others are determined by circumstances. This means that, on every day of the year, many individuals may be eligible for enrollment, but not everyone is eligible. Special Enrollment Periods (SEPs) describe many of the circumstance-driven enrollment conditions. They can happen at any time for Medicare-eligible individuals who meet the conditions.

Circumstances for a Special Enrollment Period

A Special Enrollment Period (SEP), which allows an individual to change Medicare Advantage plans, can be triggered by a number of conditions, including:

  • Moving to a new location
  • Losing current coverage
  • Opportunity to get different coverage
  • Current plan changes Medicare contract
  • Qualifying for Extra Help
  • Newly available Five-Star plan
  • Dual-eligibility: Medicare and Medicaid
  • Being eligible for the Medicare Chronic Care Special Needs Plan

Different conditions create SEPs of different lengths; most are in the one to three month range. In general, it’s a good idea to research SEP eligibility and plan options as soon as they may become a factor in healthcare coverage. Procrastination or delay in this area can lead to being stuck without a Medicare Advantage plan.

For additional specific details about Special Enrollment Periods, visit medicare.gov.

Other Enrollment Periods

You can enroll in Medicare Advantage plans during other enrollment periods, like:

Initial Enrollment Period (IEP)

Beginning three months before an individual’s 65th birthday, the Initial Enrollment Period is often the first chance to join a Medicare Advantage plan, although there are a few circumstances that may make an individual eligible for Medicare coverage before age 65. Learn more about Medicare and turning 65.

Annual Enrollment Period (AEP)

The Annual Enrollment Period (AEP) is one of the date-specific enrollment periods. It occurs yearly from October 15 to December 7 and all Medicare beneficiaries can join or switch Medicare Advantage plans during this enrollment period. Learn more about AEP.

Personalized Assistance

Our licensed sales agents offer no-cost consultations regarding Medicare Advantage plans, and can assist you in evaluating your enrollment eligibility. Speak with an agent Monday-Friday 10 a.m. to 9 p.m. (Eastern) at 1-800-991-4407 / TTY 711.

Resources

All of our Medicare resources are available at no cost to you. Learn more about: