What scenario would allow for a special enrollment period for Medigap?

A special enrollment period for Medigap can be triggered by certain life events, one of which is relocating out of state. When an individual moves to a new area, they may find that their current Medigap policy does not cover them adequately in their new location or that better options are available in the new area. This circumstance allows for a special enrollment period, permitting the individual to apply for a new Medigap policy without facing medical underwriting, which could affect eligibility or premium costs.

Turning 65 is a significant milestone because it marks the start of Medicare eligibility, but it does not constitute a special enrollment period specifically for Medigap; rather, it signals the beginning of the initial open enrollment period for Medigap, which is different from special enrollment. Similarly, retiring from a job does not automatically trigger a Medigap special enrollment period unless it involves losing other health coverage that was primary before Medicare.

While relocating out of state is indeed a valid scenario for triggering a special enrollment period for Medigap, the other scenarios presented either relate to initial eligibility or are not directly connected to a special enrollment context for Medigap. Therefore, it can be concluded that only relocation out of state meets the criteria for a special enrollment period.