What should I do if I miss the Medicare Open Enrollment period, and I want to change my plan?
Answered by 13 licensed agents
Answered by Melonie Wood on April 12, 2025
Agent Licensed in FL & AL
Other enrollment periods called Special Election Periods (SEP’S) come into play or allows a person to change plans such as moving from one service area to another, or a plan pulls out, or a person is released from incarceration. There are a lot more more SEP”s than I just mentioned.
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Answered by Lt Col Tim Brown on March 29, 2025
Broker Licensed in TN, AL, CO & 10 other states
Moving to a new plan area.
Enrollment in a 5 star plan.
Losing health insurance.
Weather related disasters.
Annual enrollment. Is October 15th through December 7th. If you miss that enrollment period and you are a current Medicare Advantage member, You have 1 more opportunity to change plans January 1st through March 31st.
So from April 1st through December 31st you are locked into your plan unless you meet a special election period requirement.
Answered by Dutch VanHoesen on March 25, 2025
Broker Licensed in FL
Verywell Health
+8
Cal Dept of Health Care Services
+8
Kiplinger.com
+8
Special Enrollment Periods (SEPs): SEPs allow you to make changes to your Medicare Advantage or Part D prescription drug coverage outside the standard enrollment periods if you experience certain life events. Qualifying events include:
Cal Dept of Health Care Services
+7
UHC
+7
Investopedia
+7
Moving out of your plan's service area.
Cal Dept of Health Care Services
+3
UHC
+3
Medicare
+3
Losing other credible health coverage.
National Council on Aging
+6
Investopedia
+6
Medicare
+6
Gaining or losing eligibility for Medicaid or Extra Help.
UHC
+1
Medicare Interactive
+1
Your plan changes its contract with Medicare.
Answered by Edward Givens on April 11, 2025
Broker Licensed in AZ, CA, CO & 13 other states
Some of the SEP's include things like the following:
1) Have you moved to another county or state? Have you recently moved back to the United States after living abroad? Have you moved into or out of a skilled nursing facility?
2) Have you lost Medicaid? Or lost the Extra Help for prescription drugs? Did you lose the PACE program?
3) Have you recently been granted Medicaid or Extra Help with prescriptions? Do you have a Chronic condition like diabetes or heart disease?
4) You could join a 5-star rated plan
5) Were you affected by a FEMA disaster?
There are many other SEP's that you might possibly qualify for. So, talk to a local Medicare Insurance Broker to know all your options.
Answered by Sandra Teel on April 22, 2025
Broker Licensed in WV, AZ, CA & 13 other states
Answered by Jeffrey Jon on April 22, 2025
Agent Licensed in TX
Answered by Leslie Helene Sussman on March 31, 2025
Broker Licensed in NJ, DE, FL & PA
Medicare Supplemental or Medigap is all medically underwritten so you can apply anytime as long as you know you can qualify.
Answered by Tasha Riggs on April 1, 2025
Broker Licensed in CO, AZ, HI & 10 other states
Answered by Frank Woerner on March 26, 2025
Broker Licensed in IN & IL
Answered by Vonda Peralez on March 30, 2025
Broker Licensed in CA & WA
Answered by Steve Brauer on April 13, 2025
Broker Licensed in AZ & CA
Answered by Ellen Diehl on April 13, 2025
Broker Licensed in GA
Answered by Brian Williams on April 21, 2025
Agent Licensed in FL, CA, GA & 6 other states
Tags: Enrollment Periods The Medicare System
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