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2. The last day of their Part B IEP, whichever is later.

In most cases, the IEP for Part B begins three months before and ends three months after the month of the individual’s 65th birthday. See 42 CFR § 407.14 regarding the Part B IEP.

The ICEP will generally correspond to when the individual turns 65, is in their 25th month of disability, or has an active ESRD-status, see 42 CFR § 406.13 for more information about ESRD eligibility.

Effective date: Generally, the first of the month following the plan’s receipt of the enrollment request. However, if the enrollment request is made prior to an individual’s first month of entitlement to both Part A and Part B, the request is effective as of the first day of the month in which the individual is entitled to both Part A and Part B.

Who can use: Individuals who newly have both Medicare Part A and B, as outlined above.

Changes permitted: Enrollment into MA/MA-PD plan.

NOTE: The ICEP and the IEP for Part D occur together as one period when a newly Medicare eligible individual has enrolled in both Part A and B at first eligibility. Should an individual delay enrollment into Part B to a later time, the ICEP and IEP for Part D become separate with the ICEP changing to then occur as the 3 months immediately preceding entitlement to both parts A and B (see § 30.1).

Examples: • ICEP corresponding to an individual’s 65th birthday: Mrs. Donovan’s 65th birthday was on June 20. She is eligible for Medicare Part A and Part B beginning June 1 and has decided to enroll in Part B beginning on June 1. Her ICEP began on March 1 and ended on September 30.

• ICEP corresponding to a working individual who delays enrolling in Part B: Mrs. Smith’s 65th birthday was on April 20, 2020. She was eligible for Medicare Part A and Part B beginning April 1, 2020. Because she is still working and has health insurance provided by her employer, she decided not to enroll in Part B during her initial enrollment period for Part B. Upon retiring in April 2025, she will have the opportunity to enroll in Part B (through a Part B SEP). She enrolls in Part B effective May 1, 2025. Her ICEP is February 1 through June 30, 2025.

• ICEP corresponding to an individual enrolling in Part B for the first time during the General Enrollment Period Mr. Jones, age 67, enrolls in Part B for the first time during the 2025 General Enrollment Period (GEP). His Part B coverage begins on April 1, 2025. His ICEP is January 1, 2025, to May 31, 2025.

See also § 30.6.3, Part D SEP for individuals who are not entitled to premium-free Part A and who enroll in Part B during the GEP.