Which statement about Special Enrollment Periods (SEP) is true?

• A. SEP allows enrollment or switching outside AEP due to qualifying life events
• B. SEP is the same as the Annual Enrollment Period
• C. SEP applies only to PDP plans
• D. SEP cannot be used to enroll in new plans

Answer: (A)

Special Enrollment Periods let people enroll in or switch plans outside the regular enrollment window when a qualifying life event happens. This is exactly what the correct choice describes: you can enroll or switch outside the Annual Enrollment Period because a qualifying life event occurred, so coverage can reflect changes in your circumstances. The Annual Enrollment Period is a separate, fixed timeframe that happens once a year, not driven by events. SEPs aren’t limited to Prescription Drug Plans; they also apply to Medicare Advantage and Part D plans when the event qualifies. And SEPs are designed to let you enroll in a new plan or make changes in response to the event, not restrict you from enrolling.