How to Advise Client, IFP and Medicare?

A referral called me in February of this year. He stated that he turned 65 last year June, elected Medicare part A only, no PDP because he chose to stay on an IFP PPO plan with his wife, doesn’t take any meds anyways and health as a horse.
Not an employer plan, but IFP plan, off-exchange.

I advised him that he needs to apply for Part B before end of March which would not be effective till 7/1/2016, explained Part B penalty, Part D penalty and that a PDP could not be elected until AEP.

I sold him Med Sup G, effective 7/1/2016 and told him that he needs to cancel his IFP plan.

The wif
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