Medical Expense✓ Verified · outline & fact-checked · Sep 2026Difficulty 2/5
A person who delays enrolling in Part B while covered by an employer group health plan has a Special Enrollment Period of how many months after the group coverage ends?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A person who delays Medicare Part B enrollment while covered under an employer group health plan, either the person's own or a spouse's, qualifies for a Special Enrollment Period (SEP) of eight months after the group coverage ends or after employment ends, whichever comes first. Enrolling during the SEP avoids the Part B late enrollment penalty. This eight-month window is distinct from the seven-month Initial Enrollment Period and the annual General Enrollment Period.
Why the other options are wrong
- A) Three months is not the Part B SEP window; eight months is the correct period for employer coverage.
- C) Seven months is the length of the Initial Enrollment Period around the 65th birthday, not the employer-coverage SEP.
- D) Twelve months is not a Part B enrollment window under Medicare rules.
Memory hook
Employer coverage keeps you out of the penalty: you get 8 months after the group plan ends to enroll in Part B.