Life Event Playbook
Losing Employer Health Coverage
Steps to Take
- Get creditable-coverage letter from HR
- Apply for Part B using CMS-40B + CMS-L564
- Choose Medigap with guaranteed issue
- Enroll in Part D
Key Deadlines
- 8-month Part B SEP
- 63-day Medigap GI window
- 63-day Part D SEP
Watch-Outs
- COBRA does not extend the SEP — the clock starts when active coverage ends
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.