The Medicare Agent Blog

Special Enrollment Periods and the Close of AEP

As the Annual Enrollment Period draws to a close, it’s important to know of the other enrollment opportunities that are open to help Medicare beneficiaries find the care they need. Focusing specifically on Special Enrollment Periods, and more-so Government Entity-Declared Disasters or Other Emergencies, below you’ll find a consolidated list of SEP’s that may be a helpful option for your clients.

Before you dive into the list looking for SEPs in your area, here are a few things to keep in mind:

  1. Compliance: You cannot proactively market to beneficiaries using these SEP opportunities. However, you can assist any clients who contact you about this SEP.
  2. Acceptance: Keep in mind when discussing these with your client, state and other government entity-declared events are not always universally accepted by all carriers. However, FEMA declared events are generally universally accepted. When in doubt, check with the specific carriers for more information.
  3. Qualification: To be considered “Affected” the individual must reside currently, or reside at the start of the incident period, in an area for which the government entity has declared an emergency or major disaster. They can also be considered affected if they had another valid election period at the time of the incident and did not make an election during said other election period. The SEP can also be available to individuals who do not live in the affected area but are dependent on help from friends or family who are affected.
  4. Timeline: An SEP will start on the date the declaration is made, or the incident start date, whichever may be earlier. The SEP will officially end 2 full calendar months following the end date on the declaration, or the date the end of the incident is announced, whichever may be later.

Alabama Tropical Storm Ida (State declared emergency)

SEP Period: August 28 – December 31, 2021 
Applicable counties: Baldwin, Bibb, Choctaw, Clarke, Colbert, Conecuh, Dallas, Escambia, Fayette, Franklin, Greene, Hale, Lamar, Lauderdale, Lawrence, Marengo, Marion, Mobile, Monroe, Perry, Pickens, Sumter, Tuscaloosa, Walker, Washington, Wilcox, Winston

California Alisal Fire (State declared emergency)

SEP Period: October 12, 2021 – TBD 
Applicable counties: Santa Barbara

California Fawn Fire (State declared emergency)

SEP Period: September 22 – TBD
Applicable counties: Shasta

Connecticut Hurricane Ida (State declared emergency)

SEP Period: September 2, 2021 – January 31, 2022
Applicable counties: entire state

Connecticut Hurricane Henri (State declared emergency)

SEP Period: August 28 – December 31, 2021
Applicable counties: entire state

Florida Ahead of Tropical Storm Fred (State declared emergency)

SEP Period: August 13, 2021 – December 31, 2021
Applicable counties: Bay, Calhoun, Citrus, Dixie, Escambia, Franklin, Gadsden, Gilchrist, Gulf, Holmes, Jackson, Jefferson, Lafayette, Leon, Levy, Liberty, Manatee, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton, Washington

Louisiana Tropical Storm Nicholas (State declared emergency)

SEP Period: September 12 – December 31, 2021
Applicable counties: entire state

Maryland Severe Weather and Tidal Flooding (state declared emergency)

SEP Period: October 29, 2021 – January 31, 2022
Applicable counties: Anne Arundel, Baltimore, Calvert, Caroline, Cecil, Charles, Dorchester, Harford, Kent, Queen Anne’s, Prince George’s, Somerset, St. Mary’s, Talbot, Wicomico, and Worcester

Massachusetts Nor’easter (state declared emergency)

SEP Period: October 27, 2021 – TBD
Applicable counties: Brockton

Missouri Tornado (State declared emergency)

SEP Period: October 27, 2021 – TBD
Applicable counties: Madison

New Jersey Ahead of Nor’easter Storm (State declared emergency)

SEP Period: October 25, 2021 – TBD
Applicable counties: entire state

New Jersey Tropical Storm Ida (State declared emergency)

SEP Period: September 1 – December 31, 2021
Applicable counties: entire state

New York Ahead of Nor’easter (State declared emergency)

SEP Period: October 25, 2021 – January 31, 2022
Applicable counties: Bronx, Broome, Chenango, Delaware, Greene, Kings, Montgomery, Nassau, New York, Orange, Otsego, Putnam, Queens, Richmond, Rockland, Schenectady, Schoharie, Suffolk, Sullivan, Tioga, Ulster, Westchester

New York Tropical Storm Ida (State declared emergency)

SEP Period: September 2 – December 31, 2021
Applicable counties: Bronx, Dutchess, Kings, Nassau, New York, Orange, Putnam, Queens, Richmond, Rockland, Suffolk, Sullivan, Ulster, Westchester, and contiguous counties

North Carolina Flash Flooding (State declared emergency

SEP Period: October 7, 2021 – TBD
Applicable Counties: McDowell

Oregon Imminent Threat of Wildfire (State declared emergency)

SEP Period: June 30, 2021 – January 31, 2022
Applicable counties: entire state

Tennessee Severe Flash Flood (State declared emergency)

SEP Period: August 28 – December 31, 2021
Applicable counties: Dickson, Hickman, Houston, Humphreys

Texas Tropical Storm Nicholas (State declared emergency)

SEP Period: September 13, 2021 – December 31, 2021
Applicable counties: Aransas, Brazoria, Calhoun, Chambers, Galveston, Harris, Jackson, Jasper, Jefferson, Matagorda, Montgomery, Newton, Nueces, Orange, Refugio, San Patricio, Victoria

Washington Severe Weather (state declared emergency)

SEP Period: November 12, 2021 – February 28, 2022
Applicable counties: Clallam, Grays Harbor, Island, Jefferson, Lewis, King, Kitsap, Pierce, Mason, San Juan, Skagit, Snohomish, Thurston, Whatcom

You can find more information regarding incidents by state by searching the FEMA link below. If you have any questions or need further clarification, contact us anytime.

844-998-7878 -or- Click Here

FEMA Disaster Information

Trusted American Insurance Agency is a National Marketing Organization (NMO) headquartered in Rocklin, CA. Trusted American provides a full range of insurance and financial services products across all 50 states for all major and niche carriers, with a specialty in the Senior Marketplace.

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