Qualifying Life Event? | Special Enrollment Period Support Available
300+ SEP Enrollments
63 Days Maximum Window
100% Eligibility Verification
18+ Years Experience

Qualifying Life Events for Special Enrollment

Certain life changes create Special Enrollment Period opportunities that allow you to change your Medicare coverage outside of the annual Open Enrollment Period.

Moving to Knox County

Relocating to Knox County from another state or service area creates a Special Enrollment Period. We help you transition coverage to ensure access to local providers and optimal plan selection.

SEP Window:
  • 2 months before move
  • Month of move
  • 2 months after move
  • Coverage starts first of month after enrollment

Losing Employer Coverage

Loss of employer insurance, COBRA, or retiree benefits qualifies you for a Special Enrollment Period. We help you transition seamlessly to Medicare without gaps.

SEP Window:
  • 8 months after coverage loss
  • Enroll before current coverage ends
  • No gap in creditable coverage
  • Immediate coverage available

Marriage or Divorce

Getting married, divorced, or losing a spouse creates Special Enrollment opportunities. We help you review your options and make appropriate changes.

SEP Window:
  • 63 days from qualifying event
  • Coverage effective first of following month
  • Spousal coverage coordination
  • Beneficiary updates required

Income Changes

Significant income changes may qualify you for SEPs and assistance programs. We help with Extra Help, Medicare Savings Programs, and IRMAA adjustments.

Income-Related SEPs:
  • Medicaid eligibility changes
  • Extra Help qualification
  • Medicare Savings Program eligibility
  • IRMAA premium adjustments

Plan Issues

Certain plan-related issues can create SEP opportunities—plan termination, contract violations, or significant changes that affect coverage or costs.

Plan-Related SEPs:
  • Plan leaves your area
  • Contract violations by plan
  • Involuntary loss of coverage
  • Exceptional circumstances

Chronic Condition SEP

Certain chronic conditions may qualify you to switch to a Medicare Advantage plan that better meets your needs.

Chronic Condition SEP:
  • Qualifying chronic conditions
  • Once per year opportunity
  • Switch to a different MA plan
  • Enhanced benefits available

Special Enrollment Period Process

Our systematic approach ensures you don’t miss your SEP window and get the best possible coverage.

1
Event Verification
Verify your qualifying life event and confirm SEP eligibility
2
Window Calculation
Calculate your exact SEP window and deadlines
3
Options Analysis
Analyze all available Medicare plan options in Knox County
4
Plan Selection
Select the optimal plan for your needs and preferences
5
Enrollment
Complete application with required documentation
6
Confirmation
Confirm enrollment and coverage effective dates
Time Sensitive: Special Enrollment Periods have strict deadlines. Contact us immediately after a qualifying life event so you don’t miss your enrollment window.

Why Choose Our SEP Support Services

Our extensive experience with Special Enrollment Periods and deep knowledge of Medicare regulations ensures you get the coverage you need when life changes occur.

Eligibility Verification

Thorough verification of your qualifying event and SEP eligibility, with a clear explanation of your window before any plan changes.

Deadline Management

Careful tracking of SEP deadlines and enrollment timing to align with your preferred effective dates.

Documentation Support

Complete assistance preparing and submitting documentation to support your SEP enrollment.

Local Expertise

Deep knowledge of Knox County plans and provider networks to ensure your SEP choice fits your location and care team.

Immediate Response

Fast help when a qualifying event happens—so you can act before the window closes.

Coverage Protection

We coordinate timing to prevent coverage gaps and avoid penalties or benefit loss.

Don’t Miss Your Special Enrollment Opportunity

Experienced a qualifying life event? Time is critical with SEPs. Contact Knox County’s most experienced Medicare insurance coverage specialists to verify eligibility and secure the coverage you need.

  • Free SEP eligibility verification and consultation
  • Expert guidance through all enrollment deadlines
  • Complete documentation and application assistance
  • Immediate response for time-sensitive situations

Available Monday–Friday 9AM–5PM
Emergency SEP support available

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