You can qualify for a Special Enrollment Period if:
- You just moved into, currently live in, or just moved out of an institution (like a skilled nursing facility). If this is the case for you, your SEP will last for as long as you live in the institution, including two months after you leave the institution.
- You moved to a new address that isn’t in your plan’s service area. If you’re in a Medicare Advantage Plan and you move outside your plan’s service area, you can also choose to return to Original Medicare. With efficient planning, the chance to switch Medicare Advantage or Part D plans starts a month before you actually move and will continue for 2 full months after.
- You moved back to the U.S after living abroad, and your SEP will last for a total of two months, starting after the month you move back into the U.S.
- You moved to a new address that’s still in your plan’s service area, but you have new plan options to choose from.
Loss of Current Coverage
Losing your current coverage isn’t always ideal, but you can qualify for a Special Enrollment Period if this happens to you:
- You had drug coverage through a Medicare Cost Plan and you left the plan.
- You left coverage from your employer or union. This includes COBRA coverage.
- You’re no longer eligible for Medicaid.
- You dropped your coverage in a Program of All-inclusive Care for the Elderly plan, also known as PACE.
Chances at Other Coverage Plans
You can also qualify for an SEP if:
- You have or are enrolling in other drug coverage as good as Medicare prescription drug coverage, such as VA coverage or TRICARE.
- You enrolled in a PACE plan.
- You have a chance to enroll in other coverage offered by your employer or union.