If you live in an institution like a nursing home or rehabilitation hospital in 2025, Medicare provides flexible enrollment options. You can join, switch, or drop Medicare Advantage or drug plans for as long as you live in the institution […]
The 5-Star Special Enrollment Period: Finding Excellence in 2025
Medicare’s 5-star rating system helps identify top-performing plans, and in 2025, you can use a special SEP to switch to any available 5-star Medicare Advantage Plan, Medicare drug plan, or Medicare Cost Plan in your area. This opportunity is available […]
Employer Coverage Changes and Your Medicare SEP Rights
If you lose employer or union coverage in 2025, you qualify for a Special Enrollment Period lasting two full months after your coverage ends. This SEP allows you to join a Medicare Advantage Plan or Medicare drug plan without waiting […]
The $2,000 Out-of-Pocket Drug Cost Cap and Your 2025 Enrollment Decisions
In 2025, Medicare implements a $2,000 cap on out-of-pocket costs for covered prescription drugs. This major change makes reviewing your plan options during enrollment periods even more critical. The cap only applies to drugs covered by your Part D plan, […]
Lost Your Medicaid Eligibility? Your 2025 Medicare SEP Options
If you lose Medicaid eligibility in 2025, Medicare provides a three-month Special Enrollment Period to adjust your coverage. This period begins either when you’re no longer eligible or when you’re notified of ineligibility, whichever comes later. During this time, you […]
The Integrated Care SEP: A Game-Changer for Dual Eligibles
In 2025, Medicare beneficiaries with full Medicaid benefits can join or switch to an integrated Dual Eligible Special Needs Plan (D-SNP) once per calendar month. These specialized plans coordinate Medicare and Medicaid benefits, potentially reducing confusion and improving care. This […]
Moving? Understanding Your Medicare SEP Rights in 2025
If you relocate in 2025, you’ll have specific SEP rights to adjust your Medicare coverage. When moving outside your plan’s service area, you can switch plans beginning the month before your move and continuing for two full months after. Even […]
Understanding the New Monthly SEP for Low-Income Medicare Beneficiaries
Starting January 2025, Medicare beneficiaries who qualify for Medicaid or receive Extra Help (Low-Income Subsidy) will have a significant new enrollment opportunity. Unlike the previous quarterly system, eligible individuals can now switch Part D plans or Medicare Advantage plans once […]