Life Event Playbook
Returning to the US After Living Abroad
Steps to Take
- Apply for Part B via GEP or SEP
- Face late enrollment penalties if applicable
- Enroll in Medigap (underwriting applies outside OEP)
Key Deadlines
- GEP: Jan 1 – Mar 31 annually
- Special SEP for those who deferred due to international residency
Watch-Outs
- Penalties can be substantial — consult SSA
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.