Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 3/5
A person who delays Medicare Part B enrollment because of active group health coverage based on current employment may enroll without penalty during a Special Enrollment Period of:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Beneficiaries who remain employed and covered by group health insurance based on current employment can delay Part B without penalty and enroll during a Special Enrollment Period (SEP) that lasts 8 months, beginning the month after the group coverage or employment ends, whichever occurs first. This SEP protects workers from the late-enrollment penalty when they transition to Medicare after retirement. The 8-month SEP is a distinguishing enrollment rule tested under AH-III.D.1b, alongside the 7-month IEP and the General Enrollment Period.
Why the other options are wrong
- B) Three months is not the SEP length; the working-age SEP is 8 months.
- C) There is no 12-month SEP beginning at age 70.
- D) Twenty-four months exceeds the actual 8-month SEP window after coverage ends.
Memory hook
Working late? The 8-month SEP is your no-penalty on-ramp to Part B.