Medicare’s Special Enrollment Period

Special Enrollment Periods

Special Enrollment Periods are granted to individuals who have a valid reason not to enroll in Medicare during their Initial Enrollment Period (IEP). Medicare recognizes receiving insurance from an employer as a valid reason to postpone enrollment and works to ensure those individuals still have a chance to enroll. This chance to enroll occurs during a specific period and not an open-ended opportunity.

Qualifications to receive a Special Enrollment Period

Those who have insurance through an employer may not feel the need to sign up for Medicare around their Initial Enrollment birthday. Medicare recognized this and has established a Special Enrollment Period. If you or your spouse are continuing to work and enrolled in a group health plan, you can still sign up for Part B anytime after your turn 65. Once you stop receiving insurance through the employer or quit working (whichever is the first of these to occur), you have eight months to enroll in Part B.

To qualify for a Special Enrollment Period, your insurance coverage through an employer or group health plan cannot end during your Initial Enrollment Period. If this occurs, you will be required to enroll during your designated IEP.

Ensure you have the coverage you need

The best way to guarantee you have the right coverage is to sign up during your Initial Enrollment Period. By working with an insurance agent, you can be sure that you’re meeting the required deadlines and receiving any necessary help. If you’re interested in learning more about the role of insurance agents, contact us at (877) 874-0711, and we’ll be happy to answer all your questions.