Losing employer coverage
When your job-based health coverage ends , whether from retirement, a job change, or your spouse's retirement , you usually qualify for a Special Enrollment Period to add or change Medicare coverage.
You typically have eight months
The Special Enrollment Period for Part B usually lasts eight months after your employer coverage ends. Signing up promptly helps you avoid a lifelong late-enrollment penalty.
If you delayed Part B while working, sign up now to avoid penalties.
You have 63 days to add or change prescription drug coverage.
Some situations open a guaranteed-issue window for Medicare Supplement plans.
Compare plan networks to keep the doctors you already see.
What to gather
The date your employer coverage ends, a note from your employer confirming coverage (Form CMS-L564 can help), and a list of your doctors and prescriptions. A licensed agent can walk you through the rest.
Prefer to talk it through? Talk to a licensed agent.