What can trigger a Special Enrollment Period for Medicare?

A Special Enrollment Period (SEP) for Medicare is designed to allow individuals to enroll in Medicare outside of the standard enrollment periods under certain qualifying circumstances. The option mentioning having a spouse still employed under a group health plan is correct because this situation permits an individual to delay enrollment in Medicare without incurring penalties, and it allows them to enroll when they're ready or when their circumstances change, such as when their spouse’s employment situation changes or they lose that coverage.

When an individual is covered under a group health plan because their spouse is still working, they may not need to enroll in Medicare right away. This gives them the flexibility to wait until the employment situation changes, thus triggering an enrollment opportunity when they need it most. In such cases, the individual can take advantage of a Special Enrollment Period to sign up for Medicare without facing late enrollment penalties.

Other scenarios, while significant milestones in life—like turning 65 or getting married—do not necessarily trigger a Special Enrollment Period unless specific criteria related to coverage changes are met. Being unemployed might also influence healthcare decisions but does not constitute a basis for a Special Enrollment Period in Medicare.