[x_blockquote cite=”Ronald (Bowman, ND)” type=”left”]Dear Marci,
While I am not anticipating any problems with my private insurance plan, I would like to be prepared for the worst. If difficulties arise, am I allowed to change plans at any time?
The short answer to your question is that it depends on the specific difficulties that you are facing with the plan. Under certain circumstances, you may be eligible for a Special Enrollment Period (SEP) to change your Medicare Advantage Plan and/or Part D prescription drug plan outside of the usual enrollment or disenrollment periods. If you get an SEP, your new coverage will usually start the first of the month after your sign up for or disenroll from your plan.
An SEP allows you to change your Medicare Advantage Plan or your stand-alone Part D plan that works with Original Medicare. Here are three common difficulties you might encounter with your plan to warrant an SEP:
Ronald, click here to access a chart on Special Enrollment Periods that will help you determine whether or not you qualify for an SEP under these and other circumstances.
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