What is a Special Election? How do I know if I qualify for one?

A “Special Election,” “Special Election Period” or “SEP” means that you meet certain criteria that allow you make certain changes to your Medicare elections at any time of the year. Those criteria include the following “qualifying events”:

  • you lost your current health care coverage (e.g., a loss of employer coverage);
  • you moved outside of your current health plan’s coverage area;
  • you want to enroll in a Five Star healthcare plan; and/or
  • your eligibility for Medicaid or a Low Income Subsidy has changed.

To be certain that you qualify for an SEP, we recommend that you contact one of our licensed agents at 1-877-766-4448. If you do qualify, in most cases, you have three (3) months from the date of a qualifying event in which to enroll in a new MA Plan or MAPD Plan, or switch back to Original Medicare.

Note: An SEP is for those beneficiaries already enrolled in Medicare. If you are new to Medicare, you will have a 7-month Initial Enrollment Period that is unique to you, that is not dependent on the factors identified above. For more information on your 7-month Initial Enrollment Period, please review “When can I enroll in Medicare?”