Simplifying Medicare for You
Special Enrollment Period(SEP): We help to Simplify Your Opportunity for Medicare Plan Adjustments
- A Medicare SEP is a period of time to enroll or change a Medicare Advantage plan outside of the Initial Coverage Election Period (ICEP) or Medicare’s Annual Election Period (AEP). There are various types of SEPs that would allow you to enroll in a Medicare Advantage plan outside of these periods*
- Starting January 1, 2024, if you enroll in Medicare Part A and/or Part B due to unique circumstances, you’ll have a 2-month window to join a Medicare Advantage Plan (with or without drug coverage) or a Medicare drug plan (Part D). Your coverage will initiate on the first day of the month following your plan enrollment request*
WHY USE US?
- Changing your residence.
- Losing your current coverage.
- Gaining an opportunity for alternative coverage.
- Your plan altering its contract with Medicare.
- Other distinct situations.
- For more information on Special Enrollment Periods, explore your options to ensure your Medicare plan aligns with your evolving needs.
- *source:https://www.medicare.gov/basics/get-started-with-medicare/get-more-coverage/joining-a-plan/special-enrollment-periods
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WHY USE US?
Special Enrollment Periods are available for specific life situations, such as:
- Changing your residence.
- Losing your current coverage.
- Gaining an opportunity for alternative coverage.
- Your plan altering its contract with Medicare.
- Other distinct situations.
- For more information on Special Enrollment Periods, explore your options to ensure your Medicare plan aligns with your evolving needs.
Why a Special Enrollment Period?
Certain life events, such as relocating or losing coverage, can create opportunities to adjust your Medicare Advantage and Medicare drug coverage. These opportunities are known as Special Enrollment Periods, and the changes you can make and their timing depend on your specific life event.
Starting January 1, 2024, if you enroll in Part A and/or Part B during a Special Enrollment Period due to a unique situation, you’ll have 2 months to make these adjustments.
What You Can Do:
Generally, during a Special Enrollment Period, you can:
- Join a Medicare Advantage Plan (with or without drug coverage).
- Enroll in a Medicare drug plan.
- Switch to another plan.
- **Eligibility Varies:**
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Navigating the Medicare Advantage Open Enrollment Period (MA OEP): Understanding Its Distinctions:
- Timing:
- The Medicare Advantage Open Enrollment Period (MA- OEP) is from January 1 to March 31 each year.
- Who is Eligible:
- This enrollment period is specifically for individuals who are already enrolled in a Medicare Advantage plan (Medicare Part C) as of January 1, 2024.
- What Changes Can Be Made:
- During the MA OEP, individuals can make the following changes:
Switch from one Medicare Advantage plan to another.
Disenroll from their Medicare Advantage plan and return to Original Medicare (Part A and Part B).
- During the MA OEP, individuals can make the following changes:
- Enrollment Options:
- Individuals cannot use this period to enroll in a Medicare Advantage plan for the first time if they are not already in one. It is intended for those who are already in a Medicare Advantage plan to make changes.
- Restrictions:
- This period does not allow for changes to prescription drug coverage. If an individual wants to make changes to their prescription drug coverage, they generally need to wait for the Annual Election Period (AEP) or another qualifying event.
