A Medicare Advantage Special Enrollment Period (SEP) allows you to make changes to your Medicare coverage outside of the regular enrollment periods when you experience a qualifying event. Common qualifying events include: moving out of your plan's service area, losing other coverage, moving into or out of a long-term care facility.
Key Points
- SEP: change Medicare coverage outside regular enrollment periods
- Qualifying events: moving out of service area, losing other coverage, moving to/from long-term care
- SEP window: typically 2 months from the qualifying event
- An independent agent can help you determine if you qualify for a SEP
- SEPs allow you to switch plans without waiting for AEP