If you miss your Medicare enrollment period, you may actually be eligible for a special enrollment period. BUT, there are different enrollment periods for different parts of Medicare, different qualifying events AND different lengths of SEPs. Call us at iHealthBrokers today at 888-410-0344. Our services are 100% Free!

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Original Medicare is Part A (hospital insurance) and Part B (outpatient insurance). You'll first be eligible when you turn 65. You may be automatically enrolled. If not, you have seven months surrounding your 65th birthday. This is the 3 months prior to your birthday, your birth month and the three months thereafter.

You will be eligible for a SEP if you work past the age of 65 and maintain creditable coverage through your employer. You must maintain continuous creditable coverage to avoid a late penalty. Once your coverage is terminated (usually upon retirement), you will have 8 months to enroll in Original Medicare without penalty.

COBRA is NOT considered creditable coverage. Do not defer Medicare in favor of COBRA or you will incur a late penalty. However, your spouse and dependents can keep their COBRA coverage for a period of up to 36 months after you have made the switch to Medicare.

If you are ineligible for a special enrollment period (or miss it), you will have to wait until the Medicare general enrollment which is from January 1-March 31. You will most likely incur a late penalty.

You can also enroll in a Medicare Advantage Plan or Medicare Part D when you first become eligible for Original Medicare. You also have the Medicare Advantage and Part D Annual Enrollment from Oct. 15-Dec. 7. There are many events which may qualify you for a Special Enrollment Period:

Relocating
Losing Coverage
Change to Your Plan (Sanctions or Termination)
Special Circumstances (DSNPs, CSNPs, Extra Help


If you have any further questions, please feel free to contact us here at iHealthBrokers at 888-410-0344 or [ Ссылка ]


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