Special Enrollment Periods

When You Can Enroll in Medicare Plans Overview

Open Enrollment Period (October 15 Through December 7)

Medicare Advantage Open Enrollment Period (January 1 Through March 31)

Enrolling in Medicare Parts A and B

Special Enrollment Periods

If you need to change your health plan outside of the OEP (October 15 through December 7), there are specific situations that may allow you to change plans. You can make changes to your Medicare Advantage plan or Medicare Prescription Drug Plan when certain events happen in your life, like if you move or lose other insurance coverage. These opportunities to make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP. If you believe you qualify for an SEP, please call us at 1-866-322-2824 (TTY: 711).

An SEP isn't needed to switch from a Medicare Supplement Insurance (Medigap) policy to another Medigap policy. However, if you make changes to your Medigap policy after you first enroll, an insurance carrier may ask additional questions about your medical history and could decide not to accept your application, based on your answers. If you're in a qualifying enrollment period, that additional layer of screening may not apply.