Medicare
Special Enrollment Period
Definition
A Special Enrollment Period (SEP) is a time outside the standard enrollment windows when you may join or change Medicare coverage due to a qualifying life event.
More Detail
Common qualifying events include losing employer-sponsored health insurance, moving out of a plan service area, or a plan leaving the market. For example, if you are covered by an employer plan past age 65 and then retire, you get a Special Enrollment Period to sign up for Medicare without penalty. The specific window and what you can change depends on the qualifying event.
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