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Medigap Loopholes you need to know to change your medicare supplement plan or your advantage insurance

Medigap Loopholes you need to know to change your medicare supplement plan or your advantage insurance outside of the annual election period.

If this is you, you might have a Special Election Period (SEP) call 1-800-MEDIGAP

MEDIGAP QUOTES

  • I am new to Medicare 
  • I was eligible for Medicare previously but have recently turned 65 
  • I was eligible for Medicare; however, I delayed my enrollment in part B due to having other creditable coverage
  • I am eligible to enroll in Part B during the General Enrollment Period
  • I would like to enroll during the Open/Annual Enrollment Period
  • I have both Medicare and Medicaid or my state helps pay for my Medicare premiums.
  • I no longer qualify for both Medicare and Medicaid or my state no longer helps pay for my Medicare premiums
  • I get extra help paying for Medicare prescription drug coverage.
  • I no longer qualify for extra help paying for my Medicare prescription drugs
  • I am moving into, live in, or recently moved out of a Long-Term Care Facility (for example, a nursing home or long term care facility)
  • I recently moved outside of the service area for my current plan or I recently moved and this plan is a new option for me
  • I recently involuntarily lost my creditable prescription drug coverage (coverage as good as Medicare‚Äôs)
  • I am leaving employer or union coverage
  • I am gaining employer or union coverage
  • My plan is no longer offered for my area
  • My plan is not renewing the cost plan for my area
  • My plan is ending its contract with Medicare, or Medicare is ending its contract with my plan
  • I am making this enrollment request between January 1 and February 14, and I recently ended my enrollment in a Medicare Advantage plan
  • I have ESRD and my Medicare eligibility was approved with a retroactive start date.
  • I belong to a pharmacy assistance program provided by my state
  • I recently lost my pharmacy assistance program provided by my state
  • I have a Chronic Condition and I'm not enrolled in a Chronic SNP for that condition. 
  • I was enrolled in a Special Needs Plan (SNP) but I have lost the special needs qualification required to be in that plan
  • I was enrolled in a Chronic Plan but I no longer qualify to be in that plan
  • I recently left a PACE program
  • I disenrolled from a cost plan and the optional supplemental part D benefit
  • I have lost my part B coverage
  • I enrolled in an MA/MA-PD plan upon turning 65. I want to leave that plan and go back to Original Medicare.
  • I dropped my Medigap coverage to enroll in an MA/MA-PD plan for the first time. I am in my "trial period" and I want to go back to Original Medicare. 
  • I am currently eligible for other Creditable Coverage
  • I am enrolled in another carrier's 5-Star PFFS or Cost Plan and I would like to enroll in a PDP plan.
  • I am enrolled in another carrier's who is not a 5-Star PFFS 
  • Was eligible for Medicare prior to age 65
  • Enrolling into Part B After Delaying Enrollment
  • Institutionalized
  • Change in Residence
  • Involuntary Loss of Creditable Coverage
  • Loss of Employer Group Coverage (Group Retiree, COBRA, & Commercial Coverage)
  • Gain Employer Group Coverage
  • Termination of Plan Contract
  • Retro ESRD Determination
  • Chronic Condition
  • PACE

This is not an all inclusive list, and is really designed to help trigger your thoughts. Life changes sometimes not by your choice and there are many reasons someone might need to change the plan they are on and as you can see there are several reasons that could trigger different situations. Check with your provider, you can also check our what the government says about these types of things at Medicare.gov