Life Event Playbook
COBRA Ending
Steps to Take
- Enroll in Part B using GEP
- Enroll in Medigap during 63-day GI
- Enroll in Part D during SEP
Key Deadlines
- 63-day Medigap GI
- 2-month Part D SEP
Watch-Outs
- Part B late penalty if you delayed past 65 for COBRA
Related
Disclaimer: Educational content only. Confirm your specific situation with SSA, Medicare, or a licensed professional.
Frequently Asked Questions
Where do I enroll or make changes?+
Most Medicare changes happen at ssa.gov/medicare or medicare.gov. Your state SHIP offers free counseling.
How strict are deadlines?+
Very. Missing a Special Enrollment Period often means waiting for the Annual Enrollment Period (Oct 15 – Dec 7) and facing late penalties.
Do I need an agent?+
Not required, but a licensed independent Medicare agent can compare plans across multiple carriers at no cost to you.
What if I miss a deadline?+
Use the General Enrollment Period (Jan 1 – Mar 31) for Part B, accepting any applicable late penalty. Some SEPs allow late enrollment for specific hardship reasons.