Alice is enrolled in a MA-PD plan. She makes a permanent move across the country and wonders what her options are for continuing

Question

3 months ago

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Alice is enrolled in a MA-PD plan. She makes a permanent move across the country and wonders what her options are for continuing

MA-PD coverage. What would you say to her in regard to a special enrollment period (SEP)?
a. She is likely to qualify for a SEP. She can choose an effective date of up to six months after the month in which the enrollment form is received by the new plan, but the effective date may not be earlier than 30 days prior to the date of her move.
b. She is likely to qualify for a SEP. She can choose an effective date of up to three months after the month in which the enrollment form is received by the new plan, but the effective date may not be earlier than the date of her permanent move.
c. She is unlikely to qualify for a SEP but will be automatically covered by Original Medicare and a standalone Part D prescription drug plan.
d. She is unlikely to qualify for a SEP and should remain on her current plan, relying on her current plan’s out-of-network benefits.

Health

1 answer:

solong [1.3K] · Answer 1 · 2026-02-16T18:36:07+03:00

Answer:

B. Alice will probably be eligible for a Special Enrollment Period (SEP). She has the option to select an effective date up to three months following the month her new plan receives her enrollment request, but this date cannot precede the day she establishes her new permanent residence.

Explanation:

When Alice relocates permanently to another state, she qualifies for a SEP. The start date of her coverage depends on when the Medicare Advantage (MA) organization obtains her enrollment form.

She can pick a coverage start date within a window of three months after the plan receives her application. Nevertheless, the chosen effective date must not be before her actual move date.

For example, if the MA plan gets Alice's enrollment in August, she may set her coverage to begin on the first of September, October, or November.