How many Initial Enrollment Periods (IEPs) has Ms. Claggett had for Medicare?

The correct answer identifies that Ms. Claggett has had two Initial Enrollment Periods (IEPs) for Medicare. An IEP typically occurs when an individual first becomes eligible for Medicare, which usually happens at age 65 or if the individual qualifies due to a disability or certain medical conditions.

For individuals who are eligible because of age, the IEP starts three months before the month they turn 65, includes their birthday month, and extends for three months after their birthday month, creating a total of seven months for enrollment.

However, individuals who become eligible due to a disability qualify for an IEP that lasts for seven months following their 25th month of receiving Social Security Disability Insurance (SSDI) benefits, allowing for an additional enrollment period.

Thus, Ms. Claggett's situation likely involves one IEP related to her eligibility at age 65 and another IEP related to eligibility resulting from a disability. This accounts for a total of two distinct initial enrollment opportunities she has had for Medicare.