Understanding and Using the Disaster Special Enrollment Period (SEP)

During the “Government Entity-Declared Disaster or Other Emergency” Special Enrollment Period (SEP) (previously known as the “FEMA-Declared Weather Related Emergency or Major Disaster” SEP), Medicare beneficiaries will have the opportunity to enroll in, disenroll from, or change their Medicare Part D or Medicare Advantage plan coverage. 

This original CMS document shows that a declared disaster causes a Medicare SEP. This allows individuals an SEP to enroll in A or B of Medicare even if they have missed an enrollment.

If an individual lives in a declared disaster area, they may also be granted freedom of provider network restrictions and network pharmacy restrictions. In addition, they may also receive additional supplies of their prescriptions beyond the limit that is normally allowed.

To replace a lost or damaged Medicare card, call 1-800-MEDICARE and contact social security if you temporarily or permanently changed your address. If you have other health insurance, call the plan to replace lost or damaged membership cards.

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