AHIP Practice Exam

What is one benefit for Mr. Sanchez in delaying enrollment in Part B while covered by an employer plan?

1. No waiting period to enroll later

2. No impact on his Medicare eligibility

3. Lower premiums when he enrolls

4. Immediate access to benefits

The correct answer is: No waiting period to enroll later

Delaying enrollment in Part B while covered by an employer plan allows Mr. Sanchez to avoid a waiting period for enrolling at a later date without facing penalties. This is particularly relevant since individuals covered by a group health plan through their employer can qualify for a Special Enrollment Period (SEP) when that coverage ends. As a result, they can sign up for Part B without the typical restrictions or waiting associated with general enrollment periods. This flexibility is crucial, especially for those who may not need the additional coverage immediately while still receiving adequate health care through their employer's insurance. The other options do not reflect the specific benefits related to delaying enrollment in Part B while having employer coverage. For example, while Medicare eligibility is continuous, the impact of delaying enrollment may affect coverage options and timing. Lower premiums or immediate access to benefits are not guaranteed simply by delaying enrollment; these aspects depend on individual circumstances and the conditions of the employer’s health plan.