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Maura O’Toole,Fitzgibbons Agency 315-312-0803 Suppose you are enrolled in Medicare Advantage or Medicare Part-D. In that case, you may qualify for a Special Enrollment Period (SEP) when certain events happen that require a change in Medicare coverage. There was some confusion during 2020 concerning the Covid-19 pandemic and SEP’s, and in addition to reviewing general SEP’s, we will address that issue as well. In most cases, when you qualify for a SEP, it is for something routine like you moved out of a plan’s service area or lost other health care coverage. However, there is a host of other SEP’s some very clearly defined and others that are less clearly defined, which allow for flexibility for unique circumstances.

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