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This SEP is for participants who are losing their group health coverage, whether voluntary or involuntary.

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Loss of COBRA coverage also triggers this SEP.

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Situation

The shopper is losing or leaving an employer/union sponsored healthcare plan, including COBRA.

When to Enroll

Expand
titleMedicare Advantage/PDPs/Medigaps
  • The month that employer coverage is scheduled to end, and up to 2 months after.

  • The effective date

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  • will occur on the first day of the month

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  • after the enrollment took place.

  • It is best to complete the enrollment as early as possible to avoid a potential lapse in coverage.

Enrollment Reasons

Plan

Medicare Code/Reason

Dialer Code/Reason

Uses

MA/MAPD/PDP

LEC

LEC

May not be used again after the plan goes into effect

Can be used during the month of loss and up to 2 months after

Medigap

GI

GI

May not be used again after the plan goes into effect