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Special Enrollment Period

Special enrollment periods are available to those under specific circumstances to apply outside of the usual initial or general enrollment periods.

What is Medicare Special Enrollment?

Special enrollment periods (SEPs) are geared towards working individuals. You may apply for Medicare under an SEP if:

  • You or your spouse are currently working.
  • You’re covered by a group health plan through the employer or union based on that work.

When Does Medicare Special Enrollment Take Place?

As long as you are 65 or older and meet the SEP requirements, you may enroll in Medicare at any point without facing any permanent late fees. You also have an 8-month SEP to sign up for Original Medicare:

  • The month after your employment ends
  • The month after your work health plan ends

Also, if you also want to apply for Medicare Advantage and Part D, you have 63 days after your employer coverage ends to do so. 

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