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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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How to Understand Medicare Special Enrollment Periods

how-to-understand-medicare-special-enrollment

As clocks fall back and fall fades into winter, people with Medicare are given a limited window of time to add, drop or alter their Medicare Advantage and Medicare Part D (prescription drugs) plans for the coming year. And after the ball drops to usher in a new year, they’re given an opportunity to swap Medicare Advantage Plans or return to Original Medicare. It can be a hectic time of year for Medicare recipients, but what happens when life changes necessitate plan changes?

Special cases call for Special Enrollments Periods (SEP). Individuals who are enrolled in Medicare Parts A and B may qualify for an SEP because of special circumstances. Get familiar with the types of events that qualify for SEPs so that you can get the coverage you need sooner rather than later.

What Circumstances Qualify for Medicare Special Enrollment Periods?

There are numerous events that could cause you to face a potential gap in coverage, miss the opportunity to enroll in a better plan or flat-out miss an enrollment period. These events may make you eligible for special enrollment:

  • Moving - You relocated outside of your plan’s service area or your new service area offers access to plans that are rated higher than any of your previous options.
  • Termination of group plan coverage - Your employer, your union or you yourself terminated your coverage under a group plan after you turned 65 and missed what would have been your Initial Enrollment Period (IEP).
  • New plan options - A plan with a higher rating becomes available.
  • Loss of coverage - Your current plan won’t be renewed or accepted by Medicare.
  • Moving in or out of long-term care - You moved in or out of a long-term care facility, such as an assisted living community.
  • Incarceration - You were released from jail or prison.
  • Dual enrollment - A health condition makes you eligible for both Medicare and Medicaid.

The list of qualifying events doesn’t end here. You can learn about additional opportunities for special enrollment by talking with a licensed Medicare agent.

 

Continue reading “How to Understand Medicare Special Enrollment Periods” for the length of SEPs and how you can take advantage of them!