How can a dual-eligible individual enroll in or change plans?

• A. Through special enrollment mechanisms coordinated between Medicare and Medicaid, often with help from plan specialists.
• B. Only during annual open enrollment.
• C. By applying to private insurers only.
• D. By filing a petition with CMS.

Answer: (A)

Dual-eligible individuals have a special enrollment path because Medicare and Medicaid coordinate their coverage. This means they can enroll in or change Medicare plans during specific special enrollment periods designed for people who qualify for both programs, with guidance from plan specialists who understand how Medicaid and Medicare work together. These coordinated SEPs allow changes outside the regular open enrollment window and help ensure that Medicaid and Medicare benefits align, which is especially important for dual eligibles.