Election Scenario

MA member wants to switch in May

MA member unhappy with plan, no qualifying event, calling in May.

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 current MA member calls on May 3 and wants to switch to a different MA plan. They have not moved, have not lost coverage, are not on Medicaid or LIS, and their plan is not a 5-star plan. They just want a different plan.

Which election period applies?

Medicare Advantage Open EnrollmentJan 1 – Mar 31. One MA-to-MA or MA-to-Original-Medicare change.Annual Election PeriodOct 15 – Dec 7. Changes take effect January 1.SEP — OtherAnother documented SEP applies — scenario body names which one.No election period currently appliesNo election window is open for this specific request today.

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

Sources

Reviewed Jul 14, 2026 · GoAEP editorial

42 CFR §422.62
Medicare Advantage election periods (AEP, OEP, SEPs).
42 CFR §423.38
Part D enrollment and election periods.

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.