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The shopper is losing or leaving an employee group employer/union sponsored healthcare plan, including COBRA.
When to Enroll
| Expand |
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| title | Medicare Advantage/PDPs/Medigaps |
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Up to 3 months before the earliest possible effective date (the earliest possible effective date is the first of the month after group coverage ends), the month ofThe month that employer coverage is scheduled to end, and up to 2 months after. If the enrollment is completed during the initial 3 months of the enrollment window, the effective date will occur on the first day of the month after group coverage ends. If the enrollment occurs anytime after the initial 3 months of the enrollment window, the The effective date will occur on the first day of the month after the enrollment took place. It is best to complete the enrollment during the first 3 months as early as possible to avoid a potential lapse in coverage.
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Enrollment Reasons
Plan | Medicare Code/Reason | Dialer Code/Reason | Uses |
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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 |