fbpx

Special Election Periods for Disaster Declarations

The Centers for Medicare & Medicaid Services (CMS) provides for a Special Election Period (SEP) for beneficiaries impacted by a Federal Emergency Management Agency (FEMA) Emergency or Major Disaster Declaration.

This SEP is for Medicare beneficiaries who were prevented from submitting a Medicare Advantage (MA/MAPD) or Prescription Drug (PDP) plan enrollment request during another valid election period due to a declared disaster. This includes both enrollment and disenrollment elections. This SEP applies to beneficiaries who reside in the states/counties listed here.

In addition, the SEP is available to those individuals who do not live in the affected areas but rely on help from friends or family members when making healthcare decisions and those individuals were impacted by the emergency declaration. The SEP is available from the start of the incident period and continues through the end of the eligibility periods shown above.

Enrollments are effective the first of the month after the plan receives the enrollment request.

Only those beneficiaries who did not make an election during another eligible enrollment period are eligible for this SEP. The enrollment period can be specific to that beneficiary (i.e., loss of Special Needs Plan or moving out of the area) but it should be verified as best we can prior to accepting the application. An individual can use this SEP one time for each election period they missed.

When there are questions about eligibility, CMS will make the determination. A beneficiary may contact CMS if they want to know all plans in their area for enrollment assistance, or if they have any questions. They can reach CMS by calling 1-800-MEDICARE (1-800-633-4227) anytime, 24 hours a day, 7 days a week. TTY users should call 1-877-486-2048.

If the beneficiary knows what plan they want to select, they can call the plan or their broker/agent directly to enroll.

To review up-to-date information, you may go to the FEMA Disaster Declarations website. This Information is updated at least weekly.


Have questions, give us a call at 855-888-8326.

Helpful Links

Who we are, what we do.

Choosing an FMO to work with is not just about having access to top insurance products and commissions, it’s about finding a one-on-one agent service that is prepared to meet your needs.  Get to know us, and see how we can help you take your business to the next level.