Who is eligible for Medicare?

U.S. citizens and legal residents

Legal residents must have lived in the U.S. for at least 5 years in a row before applying for Medicare.

Plus, one of the following:

  • Age 65 or older
  • Younger than 65 with a qualifying disability
  • Any age with a diagnosis of End-Stage Renal Disease (ESRD) or Amyotrophic Lateral Sclerosis (ALS, also called Lou Gehrig’s Disease)


What if I continue to work past age 65?

Be proactive.

You have Medicare decisions to make when you turn 65 even if you have coverage through an employer—yours or your spouse’s (if they’re still working). Your Initial Enrollment Period (IEP) happens when you’re turning 65 whether you’re still going to work or not. So be sure you know your IEP dates.

Learn how Medicare may work with your employer coverage.

Some employers require you to get Original Medicare (Parts A and B) benefits at age 65. Many people with employer coverage enroll in just Part A during their IEP. Part A is premium free for most people, and may provide hospital coverage in addition to your employer plan. Your employer’s benefits administrator should be able to help you learn more about your choices.


What do I need to do once I’m eligible for Medicare?

Most people are automatically enrolled in Original Medicare (Part A and Part B) once they are eligible. But not everyone is.

You'll be automatically enrolled in Original Medicare if:

  • You have Social Security or Railroad Retirement Board benefits when you turn 65, or
  • You are eligible for Medicare because of a disability or medical condition.

You must enroll in Original Medicare yourself if:

  • You are not receiving Social Security benefits when you become eligible for Medicare. You can enroll by visiting the website, or by calling or stopping into your local Social Security office.
  • Note: If you want coverage besides Original Medicare—like a Medicare Advantage (Part C), Prescription Drug (Part D) or Medicare Supplement insurance plan—that’s up to you, as well.

Get to know your coverage choices

 You have important decisions to make if you’re eligible for Medicare. 

Feel more confident about choosing coverage that fits your needs. 

When looking at coverage choices, there’s a lot to consider. You may enroll in Medicare Part A (hospital insurance), Medicare Part B (medical insurance) or both. Once you enroll in Original Medicare (Parts A & B), you may have other coverage choices, too, such as a Medicare Advantage plan (Part C), a Medicare Prescription Drug plan (Part D) or a Medicare Supplement insurance plan (Medigap).

Reach out to us today for an appointment.

Due to strict Medicare Advantage US Government rules, you must give us "Permission to contact" you to discuss this important information, over the phone or in person. Please call us at (917) 922-4420 or fill out the "Request for us to contact you" tab.

 Or if you already have completed and submitted the "PERMISSION  TO CONTACT &  SCOPE OF APPOINTMENT FORM" to us and would like to book an appointment right now online, please feel free to do so.

Permission to contact Authorization

By submitting this online form, you agree that an authorized representative or licensed insurance agent may contact you by phone, e-mail or mail to answer your questions and provide additional information about Medicare Advantage, Part D or Medicare Supplement Insurance plans. Please complete and submit this "Permission to Contact" online form. We look forward to receiving it, speaking and meeting with you for possibly servicing your requirements, as well as answering and addressing any of your questions and/or requests, you may have!!!

Patrick Fortunato

316 Main Street, PO Box 1133, Sturbridge, MA, 01566

(203) 377-4311 (Office) (203) 204-1958 (fax) email:



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