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How Medicare Special Enrollment Periods Vary Based on Qualifying Circumstances

medicare-special-enrollment-period-variations

Medicare enrollment is only open during specific times of the year, with exceptions for special circumstances. These special circumstances trigger Medicare Special Enrollment Periods, which have distinct rules and varied lengths. Read on to find out what these special circumstances are and how long the Medicare Special Enrollment Period is for each one.

Moving

Moving to a new service area, back to the United States, and in or out of an institution are all special circumstances. If any of these circumstances apply to you, your Special Enrollment Period will be two full months following your move or when you notify your insurance company of the change.

Losing Medicaid eligibility

Becoming ineligible for Medicaid can change your Medicare plan options too. Your Special Enrollment Period begins when you lose coverage or are notified, whichever is later. It lasts for three months.

Leaving employer or union coverage

If you’re enrolled in Medicare and leave your employer or union healthcare plan, you have an opportunity to enroll in a Medicare Advantage Plan or Medicare Part D Plan. This Medicare Special Enrollment Period lasts two months after your employer or union coverage ends.

Becoming eligible for Medicare & Medicaid

If you are dual eligible, you have a Special Enrollment Period that allows you to make a change to your enrollment once each quarter.

Qualifying for a Special Needs Plan

If you become eligible for a Special Needs Plan because of a qualifying condition, you can enroll in a Special Needs Plan at any time.

Dropping a plan

If you need to dis-enroll from a Medicare Advantage or Prescription Drug Plan, you may do this at any time.

Get Help with Medicare Enrollment

Whether you’re eligible to enroll during a Medicare Special Enrollment Period, or have questions about Medicare enrollment, we’re here to help you find, compare, and enroll in Medicare plans. We’ve created two easy no-cost ways for you to get help with enrolling in Medicare.

First, we offer personal phone consultations with our Medicare Advocates, who can help you evaluate Medicare plans in your area for the benefits and costs that matter to you. When you find a plan that’s right for you, a Medicare Advocate can guide you step-by-step through enrollment.

The Medicare Online Enrollment Portal is a completely autonomous enrollment platform where you can search for Medicare Advantage Plans in your area, select plans to compare side-by-side, and enroll in the plan of your choice.