Changing to a 5-star rated plan

You are permitted during most of the calendar year (December 8, 2022 - November 30, 2023) a one-time upgrade to a 5-star rated Medicare Advantage plan.

A state-declared disaster

During the course of a year, your state may declare a weather related disaster period. These periods may allow you to enroll or make changes to your Medicare Advantage Plan during the state authorized time period.

You change where you live

I moved to a new address that isn't in my plan's service area.

I moved to a new address that's still in my plan's service area, but I have new plan options in my new location.

I moved back to the U.S after living outside the country.

I just moved into, currently live in, or just moved out of an institution (like a skilled nursing facility or long-term care hospital).

I'm released from jail.

You lose your current coverage

I'm no longer eligible for Medicaid.

I left coverage from my employer or union (including COBRA coverage).

I involuntarily lose other drug coverage that's as good as Medicare drug coverage (creditable coverage), or my other coverage changes and is no longer credible.

I had drug coverage through a Medicare Cost Plan and I left the plan.

I dropped my coverage in a Program of All-inclusive Care for the Elderly (PACE) plan.

You have a chance to get other coverage

I have a chance to enroll in other coverage offered by my employer or union.

I have or am enrolling in other drug coverage as good as Medicare prescription drug coverage (like TRICARE or VA coverage).

I enrolled in a Program of All-inclusive Care for the Elderly (PACE) plan.

Your plan changes its contract with Medicare

Medicare takes an official action (called a "sanction") because of a problem with the plan that affects me.

Medicare ends (terminates) my plan's contract.

My Medicare Advantage Plan, Medicare Prescription Drug Plan, or Medicare Cost Plan's contract with Medicare isn't renewed.

Other special situations

I'm eligible for both Medicare and Medicaid.

I qualify for Extra Help paying for Medicare prescription drug coverage.

I'm enrolled in a State Pharmaceutical Assistance Program (SPAP)

I'm enrolled in a State Pharmaceutical Assistance Program (SPAP) and I lost SPAP eligibility.

I dropped a Medigap policy for the first time I joined a Medicare Advantage Plan and I'm still in a "trial period" and eligible for guaranteed issue of a Medigap policy.

I have a severe or disabling condition, and there's a Medicare Chronic Care Special Needs Plan (SNP) available that serves people with my condition.

I'm enrolled in a Special Needs Plan (SNP) and no longer have a condition that qualifies as a special need that the plan serves.

I joined a plan, or chose not to join a plan, due to an error by a federal employee.

I wasn't properly told that my other private drug coverage wasn't as good as Medicare drug coverage (creditable coverage).

I wasn't properly told that I was losing private drug coverage that was as good as Medicare drug coverage (creditable coverage).