Election Scenario

Turning 65 with no current coverage

Prospect ages into Medicare in the fall; no employer plan.

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 calls in September. Their 65th birthday is on October 20. They have no current health coverage and are not receiving Social Security yet. They want to know which Medicare election window applies to enrolling for the first time.

Which election period applies?

Initial Enrollment Period7-month window around first Medicare eligibility (typically age 65).General Enrollment PeriodJan 1 – Mar 31 for Part B enrollment when IEP was missed.SEP — OtherAnother documented SEP applies — scenario body names which one.Annual Election PeriodOct 15 – Dec 7. Changes take effect January 1.

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.