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Special Election Period (SEP)

A Special Election or Enrollment Period (SEP) provides a unique opportunity for beneficiaries to enroll in or make changes to their Medicare plan outside of the Annual Enrollment Period (AEP) which runs each year from October 15 to December 7. Unlike AEP, there are no fixed dates for Special Enrollment Periods, as eligibility depends on specific qualifying life events.

Note that a Special Election Period only pertains to a select number of consumers that meet at least 1 of over 30 different Special Enrollment Period qualifying events. It is important to note that most Medicare beneficiaries will not qualify for an SEP.

These special enrollments events may include:

• Retiring
• Losing current group health coverage
• Loss of coverage through Medicaid
• On Medicare and recently moved

For more details about qualifying for an SEP, including a full list of qualifying events, contact Medicare or consult a licensed insurance agent to discuss your circumstances.

Initial Enrollment Period (IEP)

This is the first opportunity for most people to enroll in Original Medicare when they first become eligible by turning 65 and aging into Medicare. This enrollment period begins 3 months before the month you turn 65 and continues for 3 months after your birthday month.

Medicare, often referred to as Original Medicare (Parts A and B), provides coverage for basic healthcare needs. Medicare Supplement Insurance, also known as Medigap, is private insurance designed to fill the "gaps" left by Original Medicare. 

There are 10 standardized Medigap plans available in most states, each offering different benefits, limits, and exclusions. To determine which plan best suits your needs, you can consult with a licensed insurance agent in your area using our online questionnaire or calling the phone number provided and a licensed insurance agent will answer your call. The service is free with no obligation to enroll.

Enrollment in a plan may be limited to certain times of the year unless you qualify for a special election or enrollment period or you are in your Medicare Initial Election Period.