The Initial Coverage Election Period ICEP (not to be confused with the Initial Enrollment Period IEP for Medicare Part D) is a one-time event when an individual first has the opportunity to enroll in a Medicare Advantage (MA) plan. It occurs for most people when turning age 65 and enrolling in Medicare Parts A & B for the first time. This period begins three months before an individual is first eligible for both Medicare Part A and Part B, and ends on the later of:
- the last day of the month before the individual is eligible for Parts A and B, or;
- the last day of the individual’s Part B initial enrollment period.
The initial enrollment period for Part B is the seven month period that begins 3 months before the month an individual meets the eligibility requirements for Part B, and ends 3 months after the month of eligibility.
The Initial Coverage Election Period for a Medicare Advantage (MA) enrollment election will frequently relate to either the individual’s 65th birthday or the 25th month of disability, but it must always relate to the individual’s entitlement to both Medicare Part A and Part B. When an individual enrolls in a Medicare Advantage- Prescription Drug (MA-PD) plan she/he used both the Initial Coverage Election Period and the Initial Enrollment Period (IEP) for Part D.
The Initial Enrollment Period for Medicare Part D Drug Plans (PDP) is the same as the Initial Enrollment Period for Medicare Part B (the seven month period that begins 3 months before the month an individual meets the eligibility requirement for Part B, and ends 3 months after the month of eligibility.
During the Initial Enrollment Period for Part D, individuals may make one Part D enrollment choice, including enrollment in an MA-PD plan. Individuals eligible for Medicare prior to age 65 (such as disability) will have another Initial Enrollment Period for Part D based on upon attaining age 65.