Have a Qualifying Live Event?
Do You Qualify for a Special Enrollment Period (SEP)?
The Centers for Medicare and Medicaid Services (CMS) understand that life changes and, depending on your situation, you could qualify for a Special Enrollment Period (SEP) to assist in enrolling and managing your Medicare benefits.
A SEP allows you to delay enrolling in Part B and D without incurring a late enrollment penalty (LEP). If you elected not to enroll for Parts B and D during your IEP, you would need to provide documentation of your Special Enrollment Period (SEP) eligibility to CMS in order to avoid any penalties.
Please see below a list of special circumstances that CMS has approved to qualify for an SEP.
✓ Your Medicare plan is withdrawn from the Medicare program.
✓ Moving out of your Medicare plan’s service area.
✓ Residing, moving in to, or moving out of a nursing facility or other institution.
✓ Becoming eligible or losing your Medicaid coverage.
✓ Becoming eligible and receiving Extra Help (also known as Low-Income Subsidy) with your Medicare prescription drug costs.
To avoid paying any of the late penalty fees for Parts A, B or D, verify your Special Enrollment Period eligibility before deciding to delay coverage.
Determining Enrollment Period Eligibility
Not sure if this enrollment period applies to you? Let us help you. We can explain when and how you’ll need to enroll to have the coverage you need, when you need it, without late penalties.