Medicare Special Enrollment Period: Qualifying Events and the 8-Month Rule
The 8-month SEP starts when active employment or group health plan coverage ends — not when COBRA ends. Learn what events qualify, what doesn't count (VA, TRICARE, Marketplace), and your exact enrollment window.
Frequently Asked Questions
- When does my 8-month SEP start?
- Your 8-month Special Enrollment Period starts the month after you stop working or lose employer group health plan coverage — whichever comes first. COBRA does not extend this window.
- Does VA coverage count for Medicare purposes?
- VA coverage is not considered an employer group health plan and does not qualify you for a Special Enrollment Period. You should enroll in Medicare during your IEP even if you have VA coverage.
- Do I need Part B if I have TRICARE?
- Yes. TRICARE for Life requires you to have Medicare Part B. Without Part B, TRICARE for Life won't cover your care outside of military treatment facilities.