Election Scenario

Lost employer coverage in July

Involuntary loss of creditable employer coverage in mid-year.

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.

Scenario

A beneficiary already enrolled in Medicare Part A had creditable employer group coverage as their primary drug coverage. That employer coverage ended involuntarily on July 31. They now need a Part D or MAPD plan for prescription coverage.

Which election period applies?

SEP — Loss of creditable coverageTriggered by involuntary loss of employer or other creditable coverage.Annual Election PeriodOct 15 – Dec 7. Changes take effect January 1.Medicare Advantage Open EnrollmentJan 1 – Mar 31. One MA-to-MA or MA-to-Original-Medicare change.General Enrollment PeriodJan 1 – Mar 31 for Part B enrollment when IEP was missed.

On this scenario: 0/0 correct — no attempts yet.

Sources

Reviewed Jul 14, 2026 · GoAEP editorial

42 CFR §423.38
Part D enrollment and election periods.
medicare.gov — Enrollment periods
Consumer-facing overview of enrollment period timing.

Not marketing material. Not for consumer distribution. CMS rules evolve — verify against current guidance before use.

Educational drill only. Rules and CMS guidance evolve — always defer to current CMS publications, your FMO compliance team, and your carrier certifications.