Richard is a licensed agent who represents spartan health plan and its medicare advantage plans. richard has several clients who have recently come to him for who are in their initial coverage election period (icep) and are interested in enrolling in one of spartan health plan's ma plans. alice will soon turn 65 and retire. alice has coverage through spartan health plan offered by her employer. bob had health coverage through spartan but dropped the coverage when he retired early to travel overseas. bob, who has just turned 65, is now back in the united states. charlotte, who will turn 65 next month, has coverage through athena health plan - a company richard also represents. who qualifies for the opt-in simplified enrollment mechanism?