Key Takeaways
- Events like moving or losing coverage can trigger an SEP.
- SEPs let you enroll outside the usual windows.
- Each event has its own timeframe.
A Special Enrollment Period (SEP) lets you enroll in or change Medicare coverage outside the standard windows after certain life events — such as moving, losing employer coverage or qualifying for Medicaid.
Each qualifying event comes with its own timeframe, so acting promptly protects you from penalties and coverage gaps.