Medicare Special Enrollment

Special Enrollment Period:  Once enrolled in Medicare, if you wish to change or purchase Medicare Advantage or Part D plans, you must act during the open enrollment period.

When open enrollment is closed, there are special circumstances in which one may qualify to enroll outside of the enrollment period. Listed below are the qualifying events for Medicare special enrollment:

  • You are turning 65
  • You move to a new area that is not in your current plan’s service area
  • Recently moved back to the US
  • You lose your current coverage (either Group or Medicaid)
  • You now need a SNP (Special Needs Plan) or you no longer need a SNP

Note.  You may purchase Medicare Supplement Plans at any time, however it is best to purchase during your initial enrollment period to assure guarantee issue without underwriting.  Thus, enrolling in a Medicare Supplement plan after your initial eligibility period will require you to go through Medicare Underwriting.

Also, we strongly recommend you apply for Part D Plans within the first 3 months of your eligibility.  This will assure an easy process.  An it will eliminates the Part D (prescription drug) premium penalties when you enroll after your initial eligiblity is over.  Remember, the initial enrollment is the three months before you turn 65.  Then, it continues through the month you turn 65, and the three months following your 65th birthday.

Photo of senior using Medicare insurance she got during Medicare Special Enrollment