Medicare Made Simple. Personalized Guidance You Can Trust.
Helping individuals turning 65 and those already on Medicare compare plans with confidence. As an independent licensed Medicare advisor, I provide personalized guidance at no additional cost.
How I Can Help You
Turning 65
Learn what to do before enrolling in Medicare.
Medicare Advantage
Compare plans with prescription, dental, vision, and hearing benefits.
Medicare Supplement (Medigap)
Reduce out-of-pocket costs and enjoy greater provider flexibility.
Prescription Drug Plans (Part D)
Find coverage that fits your medications and budget.
Medicare Plan Options
Medicare Solutions Designed for You
Turning 65
Guidance for your first Medicare enrollment.
Already on Medicare
Annual reviews to ensure your plan still fits your needs.
Dual Eligible (Medicare & Medicaid)
Help maximizing your available benefits.
Why Choose Derene Derricotte
Independent Licensed Medicare Advisor
Compare plans from multiple insurance companies
Personalized one-on-one guidance
Annual Medicare plan reviews
No additional cost for Medicare guidance
Local service with virtual appointments available
Personalized recommendations based on your healthcare needs and budget.
Medicare Enrollment Timeline
3 months before your 65th birthday β Start exploring your options.
β’Compare Medicare options.
β’Check if your doctors participate.
β’Review prescription drug coverage.
Month of your 65th birthday β Enroll
β’Enroll if needed.
β’Make sure your coverage begins on time.
3 months after β Initial Enrollment Period ends.
β’Your Initial Enrollment Period ends.
β’Missing this deadline may result in penalties.
Frequently Asked Questions
Do I need Medicare if Iβm still working?
It depends. If youβre still working and have health insurance through your employer, you may be able to delay enrolling in certain parts of Medicare without penalty. The rules vary based on the size of your employer and your specific coverage. I can help you determine the best time to enroll.
Whatβs the difference between Medicare Advantage and Medigap?
Medicare Advantage (Part C) is an alternative to Original Medicare and often includes prescription drug coverage and extra benefits like dental, vision, and hearing. Medigap (Medicare Supplement) works with Original Medicare to help pay out-of-pocket costs, giving you greater flexibility to see any provider that accepts Medicare. The best choice depends on your healthcare needs, budget, and lifestyle.
When should I enroll?
For most people, the best time to enroll is during your Initial Enrollment Period, which begins 3 months before your 65th birthday month, includes your birthday month, and ends 3 months after. Enrolling on time can help you avoid late enrollment penalties and gaps in coverage.
Will Medicare cover my prescriptions?
Original Medicare generally does not cover most outpatient prescription drugs. Prescription coverage is available through a standalone Medicare Part D plan or is included with many Medicare Advantage plans. I can help you compare plans based on the medications you take.
Can I keep my doctor?
In many cases, yesβbut it depends on the plan you choose. Original Medicare allows you to see any provider who accepts Medicare. Medicare Advantage plans have provider networks, so itβs important to check that your preferred doctors and specialists participate before enrolling. Iβll help you verify your providers before you make a decision.
Still have questions?
Every Medicare situation is unique. Schedule your complimentary Medicare review or call (973) 313-5762 to receive personalized guidance.
Schedule Your Complimentary Medicare Review
Have questions? Let's discuss your Medicare options during a complimentary consultation.
π (973) 313-5762
βοΈ [email protected]
π Schedule Your Free Consultation
β What My Clients Say
Helping you make Medicare simple and stress-free. Hereβs what my clients say about their experience working with me.
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5.0 Google Rating
Based on 4 Verified Google Reviews
Joycie E.
βExcellent professional service. Resourceful and very knowledgeable. Answered my questions easily.β
Queenie B.
βDerene went above and beyond to help me understand my Medicare options. She was patient, knowledgeable, and made the entire process stress-free.β
Chess Estates βββββ
βBest service I ever received. 10/10 Recommended to each and every friend and family.β
Lloyd G. βββββ
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π FREE Medicare Guide
Turning 65 Soon?
Download my FREE 4-Page Turning 65 Medicare Guide and learn:
β When to enroll in Medicare
β How to avoid costly penalties
β Medicare Advantage vs. Medicare Supplement
β Common mistakes to avoid
Ready to Find the Medicare Coverage That's Right for You?
Whether you're turning 65, retiring, or reviewing your Medicare coverage, I'm here to help you compare your options and choose a plan with confidence.
There is never a fee for your Medicare consultation. Iβm committed to helping you understand your Medicare options and choose the coverage that best fits your needs.
Medicare Disclosure
We do not offer every plan available in your area. Any information we provide is limited to the plans we do offer. Please contact Medicare.gov or call 1-800-MEDICARE to obtain information about all of your Medicare options.
Β© 2026 Derene Derricotte Health Insurance. All rights reserved.
π§ [email protected]