{"podcast":{"title":"Insurance Exam Prep","slug":"insurance-exam-prep-7644557","podcast_index_feed_id":7644557,"rss_url":"https://feeds.captivate.fm/insurance-exam-prep/","website_url":"https://open-exam-prep.com/","image_url":"https://artwork.captivate.fm/50cd425f-ffca-47b8-ad44-91c46cf94dc0/20260105-1554-Insurance-Exam-Prep-Logo-simple-compose-01ke89b3v.png","author":"Ran Chen, EA, CFP®","episode_count":154,"summary":"Insurance Exam Prep is a daily podcast designed to help future insurance professionals pass their licensing exams with clarity and confidence. Built and operated by OpenExamPrep, this podcast breaks down insurance licensing exams into focused, easy-to-digest episodes covering Life Insurance, Health Insurance, and Property & Casualty, across both the national portion and state-specific requirements. Each episode targets one key concept, common exam trap, or high-frequency test topic—making it ideal for studying during commutes, workouts, or short study sessions. Created by Ran Chen, EA, CFP®, a financial professional and exam specialist who has personally passed multiple professional licensing exams, Insurance Exam Prep was developed from firsthand experience with how complex—and often poorly taught—insurance exam material can be. The goal is simple: make insurance exam preparation clearer, more accessible, and more effective through structured explanations and modern learning tools. Whether you’re preparing for a Life, Health, or P&C exam, just starting your licensing journey, or reviewing before test day, this podcast is designed to guide you step by step—one concept at a time. F…","last_synced_at":"2026-06-15T06:18:57.235707+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557"},"episode":{"title":"[Health Insurance] 45, Medicare Enrollment Periods and Late Enrollment Penalties","slug":"health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties","published_at":"2026-05-11T23:26:01+00:00","page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties","show_page_url":"https://stenobird.com/podcast/insurance-exam-prep-7644557","url":"https://open-exam-prep.com/","audio_url":"https://episodes.captivate.fm/episode/8f5e2280-183f-4dad-9a9b-118c318489d2.mp3","summary":"This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionate about opening access to high-quality exam preparation resources and helping learners prepare more effectively for professional certification exams. In this episode you will learn: - The 7-month window for the Initial Enrollment Period and how enrollment timing affects the coverage start date. - The specific dates for the General Enrollment Period (Jan 1 - Mar 31) and its fixed coverage start date of July 1. - How a Special Enrollment Period is triggered by the loss of active employer coverage, not the exhaustion of COBRA. - How to calculate the Part B penalty based on 10% for each full 12-month period of delayed enrollment. - The calculation for the Part D penalty, which is 1% of the national base premium for each month without creditable coverage. For more free exam prep tools, practice questions, and AI-powered explanations, visit https://open-exam-prep.com/ or YouTube Channel: https://www.youtube.com/@Open-exam-prep","meta_description":"This podcast is made by Ran Chen, who holds an EA license, Insurance and Securities licenses (Series 6, 63, 65), and the CFP® designation. He is passionat…","key_points":[],"chapters":[],"topics":[],"duration_seconds":192,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/insurance-exam-prep-7644557/episodes/health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/insurance-exam-prep-7644557/health-insurance-45-medicare-enrollment-periods-and-late-enrollment-penalties.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}