During the ICEP for Delayed Part B, when can an individual enroll in a Medicare Advantage (MA) or Medicare Advantage with Prescription Drug plan (MAPD)?

The correct answer is that an individual can enroll in a Medicare Advantage (MA) or Medicare Advantage with Prescription Drug plan (MAPD) during the Initial Coverage Election Period (ICEP) for Delayed Part B, which is three months prior to the effective date of Part B. This specific enrollment window allows individuals who have chosen to delay their Part B coverage, typically because they were still working and had other health insurance options, to plan their transition to Medicare effectively.

By enrolling during this time, individuals can ensure they have a coordinated approach to their healthcare coverage that seamlessly starts when their Part B coverage takes effect. This is crucial for maintaining continuous health insurance coverage, as Medicare Advantage plans typically require enrollment in both Parts A and B.

Other options are not suitable within the context of the ICEP for Delayed Part B. For example, enrolling only after the effective date of Part B would limit the individual’s ability to have a Medicare Advantage plan in place at the time of Part B activation. Enrolling anytime after turning 65 may not allow for the timely coordination of benefits, and enrolling immediately upon entitlement to Part A may not be beneficial for those delaying Part B, as they would not yet have their Medicare coverage in effect. Thus, the three