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"easyMedicare made getting the coverage I deserved easy and saved me a great deal of money."

- Joe Theismann

Joe Theismann - NFL MVP and Super Bowl Champion

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6 Enrollment Opportunities Beyond the Medicare Annual Election Period


Maybe there should be an asterisk next to the term “Annual Election Period (AEP).” For most people, there isn’t another opportunity to make changes to their Medicare plan outside of the AEP, which runs from Oct. 15 to Dec. 7. But for a lot of other people, that asterisk could really come in handy by letting them know they may have other enrollment options.

Like most things in life, there are exceptions to this yearly enrollment window. The bulk of these exceptions fall under what’s known as Special Enrollment Periods (SEPs). Paying attention to the ins and outs of these exceptions can help you expand your Medicare options.

Out of Service

Making a permanent move out of your plan’s service area could make your current Medicare plan effectively useless. As such, moving out of your plan’s service area is one of those special circumstances that opens up a Special Enrollment Period (SEP).

Here’s a look at the types of moves that could qualify you for an SEP:

  • Moved to a new service area where your current plan isn’t available
  • Moved into a service area with plan options that weren’t available in your previous service area
  • Returned to the U.S. after having lived abroad
  • Returned from incarceration
  • Transitioned into or out of a long-term care facility
In Good Hands

You can put off your initial enrollment period (IEP) when you turn 65 if you’re fully covered by a group insurance plan from an employer or a union. Similarly, you can hold off on a Medicare Advantage plan or prescription drug plan if you join a group plan from your employer or union. As long as you’re fully covered by your new plan, you can leave a Medicare plan without penalty and rejoin later in life when you leave the group plan.


There are four more major reasons for Special Enrollment Periods! Keep reading 6 Enrollment Opportunities Beyond the Medicare Annual Election Period to find out if you’re eligible for any of them.