Understanding Medicare Advantage
Learn how Medicare Advantage plans combine hospital, medical, and often prescription drug coverage into one convenient plan, with extra benefits such as dental, vision, hearing, and more.
✔ Licensed Independent Medicare Advisor
✔ Serving NJ, NY, PA, CT, DE, FL, VA, OH & TX
✔ Compare plans from multiple leading insurance companies
I’ll help you compare Medicare Advantage plans from multiple Medicare-approved insurance companies so you can choose the coverage that’s right for your healthcare needs and budget.
What Is Medicare Advantage (Part C)?
Medicare Advantage plans are offered by Medicare-approved private insurance companies. These plans provide all the benefits of Original Medicare (Parts A and B) and often include additional benefits such as:
✔ Prescription Drug Coverage (Part D)
✔ Dental, Vision & Hearing Benefits
✔ Fitness Programs
✔ Over-the-Counter Allowances
✔ Transportation Benefits (available on some plans)
✔ Annual Maximum Out-of-Pocket Protection
Is Medicare Advantage Right for You?
Medicare Advantage may be a good choice if you:
✔ Want all your Medicare benefits in one plan
✔ Prefer predictable healthcare costs
✔ Would like extra benefits such as dental and vision
✔ Are comfortable using a provider network
Things to Consider
Before enrolling, make sure to:
✔ Check that your doctors participate.
✔ Confirm your prescriptions are covered.
✔ Review your expected healthcare costs.
✔ Compare plans available in your county.
Meet Your Independent Medicare Advisor
Derene Derricotte
Choosing a Medicare Advantage plan doesn’t have to be confusing. I’ll help you compare plans from multiple Medicare-approved insurance companies so you can find coverage that fits your doctors, prescriptions, healthcare needs, and budget. My goal is to educate—not pressure—and provide personalized guidance before, during, and after enrollment.
Medicare Advantage doesn’t have to be confusing. I’m here to answer your questions, compare your Medicare options, and help you enroll with confidence.
Why Choose Derene Derricotte?
✔ Independent Licensed Medicare Advisor
✔ Compare Medicare plans from multiple leading insurance companies
✔ Personalized one-on-one guidance
✔ Complimentary Medicare plan reviews
✔ Support before, during, and after enrollment
✔ Local, personalized service with access to nationwide carriers
Have questions about Medicare Advantage?
Schedule your complimentary Medicare review today.
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Can I keep my doctor?
Many Medicare Advantage plans use provider networks. I can help verify whether your doctors participate before you enroll.
Can I change plans later?
Yes. Medicare offers annual enrollment periods when many beneficiaries can review and change their plans if their healthcare needs or coverage preferences change. Additionally, depending on your individual circumstances, you may qualify for a Special Enrollment Period (SEP) that allows you to make a change outside of the standard enrollment periods. As your independent Medicare advisor, I’ll help determine whether you qualify and guide you through your available options.
Does Medicare Advantage replace Original Medicare?
No. You must continue to have Medicare Part A and Part B to enroll in a Medicare Advantage plan. Medicare Advantage is an alternative way to receive your Medicare Part A and Part B benefits through a Medicare-approved private insurance company. As your independent Medicare advisor, I’ll help you compare your options and determine whether a Medicare Advantage plan is the right fit for your healthcare needs and budget.
How Much Does a Medicare Advantage Plan Cost?
The cost of a Medicare Advantage plan depends on the plan you choose and where you live. Many Medicare Advantage plans have low or $0 monthly plan premiums, but you must continue to pay your Medicare Part B premium (and Part A premium, if applicable).
In addition to monthly premiums, you may also have:
•Copayments for doctor visits and medical services
•Coinsurance for certain treatments
•Prescription drug costs (if your plan includes Part D)
•An annual out-of-pocket maximum, which helps protect you from unlimited healthcare expenses
As your independent Medicare advisor, I’ll help you compare plan costs, benefits, provider networks, and prescription drug coverage so you can choose a plan that fits your healthcare needs and budget.
Serving Medicare Beneficiaries Across
New Jersey, New York, Pennsylvania, Connecticut, Delaware, Florida, Virginia, Ohio, Texas
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Medicare Disclaimer
We do not offer every plan available in your area. Any information we provide is limited to the plans we offer. Please contact Medicare.gov, 1-800-MEDICARE, or your local Medicare office for information about all of your Medicare options.