America’s Health Insurance Plans (AHIP) 5 Practice Test

During the MA ICEP for a newly MA-eligible enrollee, what action is available?

Enrolling in a Medigap plan. Enrolling in an MA plan. Enrolling in a stand-alone Part D plan. Doing nothing during ICEP.

Correct Answer:

Enrolling in an MA plan.

Explanation:

During the MA ICEP, the opportunity is to choose Medicare Advantage coverage. This initial window is provided so a newly MA-eligible individual can enroll in an MA plan to gain comprehensive coverage through that plan, which typically includes the medical benefit and often drug coverage as well. Enrolling in a Medigap plan isn’t available to someone who has MA, since MA replaces Original Medicare and Medigap policies are designed to supplement Original Medicare. A stand-alone Part D plan is for those in Original Medicare; when you’re MA-eligible, you enroll in an MA plan to get drug coverage through that plan rather than a separate Part D. Doing nothing during ICEP would mean missing the chance to obtain MA coverage in this period.

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