Election Scenario

Turning 65 with active employer coverage

Age-in but keeping large-employer coverage past 65.

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 turns 65 next month and is actively employed at a company with more than 20 employees. Their employer coverage is creditable and they plan to keep working for several more years. They want to know their election-period options for Medicare.

Which election period applies?

SEP — Loss of creditable coverageTriggered by involuntary loss of employer or other creditable coverage.General Enrollment PeriodJan 1 – Mar 31 for Part B enrollment when IEP was missed.No election period currently appliesNo election window is open for this specific request today.Initial Enrollment Period7-month window around first Medicare eligibility (typically age 65).

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).
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.