• Lorraine Spiotta

It is hard to understand the ins and outs of Medicare but here are a couple of simple points.



Each Medicare “Part” has its own enrollment period, late enrollment penalty, deductibles and premiums. If you are already receiving Social Security benefits you will most likely automatically be enrolled in Medicare Parts A and B. If not, you must enroll by contacting Medicare. Medicare Eligibility - if older than age 65 (the common age for receiving Medicare)

  • You are a US citizen or have a resident visa.

  • You qualify under your spouse’s or former spouse’s work record and he/she is at least 62 and: 1. you’ve been married for at least 1 year; or 2. you were married for at least ten years and you haven’t remarried before age 60.

Medicare Eligibility - if younger than age 65 (and meet certain other requirements)

  • You are receiving Social Security and Disability benefits for at least 24 months.

  • You have permanent kidney failure (End Stage Renal Disease) or ALS.

  • Lorraine Spiotta

Updated: 6 days ago

Are You & Your Parents Prepared For Aging?

The Five Wishes document is a Legal Living Will that can easily guide you through the conversation and documenting your care and comfort choices. It let's you choose the person you want to make healthcare decisions for you if you are not able to make them for yourself.



I offer FREE consultations in person or virtually about the Five Wishes. If you are interested in having me speak to your group please click the button below. I look forward to helping your group age independently with dignity.






On the road again with Hospice of New Jersey Hospice visiting Brookdale of West Orange. It is an honor to meet and thank all of those amazing heroes! Joining us today was HomeWell Care Services, Atrium-Springhill Livingston and Family of Caring Montclair.  Thank you all!  



Thank you Art, Administrator at Canterbury Village West Orange for letting Hospice of New Jersey visit today and provide homemade Italian Ice and ice cream to your staff. Your facility is a jewel within the community.

Guiding Your Enthusiasm for Independence (732) 651-1495

© 2020 by Lorraine Spiotta Insurance Consultant