What it is: A Special Enrollment Period that can let you change Medicare Advantage or Part D plans when you move or have a qualifying change in residence.

Who it’s for: People whose address change affects plan availability or service area eligibility.

When it happens: The timing depends on the type of move and when you report it.

What you can do:

• Join a new Medicare Advantage plan or Part D plan available in your new area.

• Switch plans if your current plan isn’t available where you’re moving.

Big watch-out: Moving triggers paperwork and timing rules. Update your address with Social Security and your plan as soon as possible so you don’t miss the SEP window. If you wait too long, you may have to use the next standard enrollment period instead.