When does coverage start for someone who enrolls in an MA plan during their initial coverage election period?
An MA enrollment made during the ICEP takes effect the first day of the month the person is entitled to both Part A and Part B, if the election was made before that entitlement month, or the first day of the calendar month after the election if made during or after that entitlement month.
What the rule says
“An election made during an initial coverage election period as described in § 422.62(a)(1) is effective as follows:”
“If made prior to the month of entitlement to both Part A and Part B, it is effective as of the first day of the month of entitlement to both Part A and Part B.”
“If made during or after the month of entitlement to both Part A and Part B, it is effective the first day of the calendar month following the month in which the election is made.”
The CY 2027 enrollment guidance describes this the same way:
“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.”
This guidance point applies to enrollment requests received on or after January 1, 2027 (and, at plan option, to AEP requests effective January 1, 2027).
Carrier and FMO rules are often stricter than CMS rules. This tool reports what CMS sources say and is not legal advice. Enrollment guidance shown is the CY 2027 version. Regulation text reflects the CY 2027 marketing rules, which apply to marketing beginning October 1, 2026.
This answer was generated by mapdbot from the sources listed below on September 23, 2026 and checked against them. Regulation text: eCFR as of 09/15/2026. It is for licensed insurance agents, is not legal advice, and does not cover carrier or FMO rules.