Election Scenario

Missed IEP, wants Part B

Turned 65 last year, no employer coverage, never enrolled in Part B.

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 prospect turned 65 fourteen months ago. They had no employer coverage and never enrolled in Part B. They now want Part B coverage and are calling in February. There is no qualifying SEP trigger — they simply missed their IEP.

Which election period applies?

Initial Enrollment Period7-month window around first Medicare eligibility (typically age 65).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.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

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.