A SEP must be triggered by a qualifying event. Here are some common scenarios
1. Change in residence
2. Your plan is not renewing its contract with the centers for Medicare and Medicaid services or intends to stop providing benefits in your area at the end of the year.
3. An individual leaves their or their spouses employer sponsored plan.
4. An individual no longer qualifies for Medicaid (Medi-cal) or Low income subsidy (LIS).
5. An individual enrolled who no longer qualifies for a special-needs plan because they no longer meet the specific special-needs status.
6. Non-US citizens who become lawfully present in the US.
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A Medicare SEP is a period of time to enroll or change a Medicare Advantage plan outside of the initial coverage election period or Medicare’s annual election period That runs from October 15 to December 7. There are various types of SEP’s that would allow you to enroll in a Medicare advantage plan outside of these periods.