Tier 2 · Election Scenarios
Pick the right election window.
Each case is a synthetic client scenario — evaluate which Medicare election period applies. No plan recommendations, no consumer-facing scripts. Answers reveal the citation.
Training material only. Not legal, compliance, or enrollment advice. Always defer to current CMS guidance, your FMO's compliance team, and your carrier certifications. See disclaimers.
Turning 65 · Answer: IEP
Turning 65 with no current coverage
Prospect ages into Medicare in the fall; no employer plan.
Reviewed Jul 14, 2026OpenTurning 65 · Answer: IEP
Turning 65 with active employer coverage
Age-in but keeping large-employer coverage past 65.
Reviewed Jul 14, 2026OpenSwitching plans · Answer: MA OEP
MA member wants to switch in February
Existing MA enrollee unhappy with plan, calling in February.
Reviewed Jul 14, 2026OpenSwitching plans · Answer: None
MA member wants to switch in May
MA member unhappy with plan, no qualifying event, calling in May.
Reviewed Jul 14, 2026OpenMoves · Answer: SEP (move)
Permanent move out of service area
Beneficiary permanently relocating; notified plan two weeks before move.
Reviewed Jul 14, 2026OpenSEPs · Answer: SEP (loss)
Lost employer coverage in July
Involuntary loss of creditable employer coverage in mid-year.
Reviewed Jul 14, 2026OpenMissed windows · Answer: GEP
Missed IEP, wants Part B
Turned 65 last year, no employer coverage, never enrolled in Part B.
Reviewed Jul 14, 2026OpenSEPs · Answer: SEP (5-star)
Switching to a 5-star plan in April
Beneficiary wants to move to a 5-star plan available in their area.
Reviewed Jul 14, 2026Open
Educational drill only. Rules and CMS guidance evolve — always defer to current CMS publications, your FMO compliance team, and your carrier certifications.
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