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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

Paid Endorsement

Medicare Special Enrollment: 5 Reasons to Change Your Medicare Plan

medicare-special-enrollment-five-reasons

It’s a simple question that can be so hard to ask: What happens if I miss Medicare’s Annual Election Period (AEP)? The short answer is: You’re locked into your previous plan for another year, which may include any changes in coverage your plan may have undergone in the past year. The long answer: you may be eligible to make changes to your Medicare plan through a Special Enrollment Period (SEP) if any of the following exceptions apply to you.

Reason Number One: Moving

Relocating, no matter how permanent or temporary, consists of a lot of moving parts. For people with Medicare, their coverage is no small part of the moving process. That’s because there’s the potential that you could lose coverage if your move puts you outside of your health plan’s service area or network. A potential gap in coverage is certainly a reason to consider changing your Medicare coverage.

What qualifies? You move to a new area where your plan is no longer accepted. Changing zip codes is often a good indicator you may have left your plan’s coverage area. Returning from living abroad for an extended period may also make you eligible for special enrollment.

What are the exceptions? If your current plan is accepted in your new area, you may not qualify for a Special Enrollment Period.

Reason Number Two: A Good Group Plan

As great as Medicare coverage can be, you may want to stay with your employer or union coverage while you can. The Centers for Medicare & Medicaid Services allows you to stick with a group plan without penalty, even if you carry your group plan past age 65 and miss what would have been your Initial Enrollment Period (IEP). When you finally leave that group plan, you may be eligible for special enrollment.

What qualifies? You are sufficiently covered by a group health plan that you keep past your 65th birthday and your IEP before terminating coverage.

What are the exceptions? If your group plan lacks some of the coverage that would be included in Medicare Part A or Part B, you may be required to enroll in a Medicare plan during your IEP.

 

What if these exceptions don’t apply to you? Keep reading for 3 more reasons you may be able to change your Medicare plan!