Permanent Residence Special Enrollment Periods (SEP): What You Need to Know

Your Guide to Using SEP When Moving, Returning to the U.S., or Experiencing Life Changes

There are different ways this SEP can be used.

When Can You Use a Permanent Residence SEP?

• If you move permanently from one county to another—not just within the same county or area—you qualify for an SEP.
• If you lived outside of the United States and are now returning, you can use an SEP to update your coverage.
• If you were incarcerated and have now been released, you are eligible for an SEP.
• If your move gives you access to additional Medicare Advantage Plans that weren't available in your previous location, you can also use SEP to enroll in new plans.

How Does the SEP Timing Work?

• When you request a change, the effective date can’t be earlier than the date of your qualifying event (for example, your move or release from jail).
• Your SEP starts on the first day of the month when your change occurs.
• You may also start your SEP in the month before your move by notifying your insurance company, prescription plan, or benefits advisor.
• If you’ve been disenrolled for being outside the service area, SEP may begin on the first day of the sixth month for Medicare Advantage or the twelfth month for Part D plans.

When Does the SEP End?

• Your SEP ends two months after the month it begins.
• If you moved, it will end two months after your move-in date.

Key Takeaways

• SEPs are designed to help you stay covered during major life changes.
• Always notify your benefits advisor as soon as possible to make the most of your SEP.
• Understanding your SEP options can help you avoid coverage gaps and ensure you have the right Medicare plan for your needs.