SEP
Timing
Special Enrollment Periods
Life events that let you enroll or change plans outside AEP.
A Special Enrollment Period (SEP) lets you sign up for or change Medicare coverage outside the standard windows without penalty, after certain life events.
Key points
- Losing employer or union coverage triggers an 8-month SEP for Parts A and B.
- Moving out of your plan's service area opens an SEP to change plans.
- Qualifying for Medicaid or Extra Help creates ongoing SEPs.
- Rules and timeframes vary — check the specific event.
Next steps
Related topics
Educational only. This information is not personalized advice. For your specific situation, verify at Medicare.gov or speak with a licensed Medicare professional.