Understanding Medicare
Whether you're turning 65, retiring, or reviewing your current Medicare coverage, understanding Medicare is the first step toward making informed healthcare decisions. I'll help you understand your options so you can choose coverage that fits your needs and budget.
✔ Licensed Independent Medicare Advisor
✔ Serving NJ, NY, PA, CT, DE, FL, VA, OH & TX
✔ Compare plans from multiple leading insurance companies
Your Medicare Options
Hospital (Part A) and Medical Insurance (Part B) provided by the federal government.
Combines Parts A and B and often includes prescription drug, dental, vision and hearing benefits.
Helps pay many out-of-pocket costs not covered by Original Medicare.
Helps cover the cost of prescription medications.
Which Medicare Option Is Best?
Original Medicare
Medicare Advantage
Medicare Supplement
Part D
People who want flexibility and may add a Supplement
People looking for all-in-one coverage
People who want predictable healthcare costs
Anyone who needs prescription drug coverage
Meet Your Independent Medicare Advisor
Derene Derricotte
Choosing Medicare plan doesn’t have to be confusing. As an independent licensed Medicare advisor, I help individuals compare plans from multiple insurance companies so they can make informed decisions with confidence. My goal is to educate—not pressure—and provide personalized guidance before, during, and after enrollment.
Leaning about Medicare doesn’t have to be confusing. I’m here to answer your questions, compare your Medicare options, and help you enroll with confidence.
Turning 65 is one of the most important Medicare milestones. Understanding your enrollment timeline can help you avoid costly penalties and ensure your health coverage begins on time.
Your Initial Enrollment Period begins three months before your 65th birthday, includes your birthday month, and ends three months afterward. Enrolling on time can help you avoid late enrollment penalties and coverage gaps.
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?
Schedule your complimentary Medicare review today.
Medicare Enrollment Timeline
•3 Months Before – Compare plans and prepare.
•Birthday Month – Enroll if needed.
•3 Months After – Final opportunity during your Initial Enrollment Period.
FREE Medicare Guide
Turning 65? Download my FREE 4-page Medicare Guide to learn how Medicare works, avoid costly mistakes, and understand your coverage options before you enroll.
Common Medicare Mistakes to Avoid
•Missing your Initial Enrollment Period
•Assuming Original Medicare covers everything
•Not reviewing prescription drug coverage
•Keeping employer coverage without understanding Medicare rules
•Choosing a plan based only on premium
•Not checking if your doctors participate
•Ignoring prescription drug coverage
Frequently Asked Questions
Do I need Medicare if I’m still working?
It depends on the size of your employer and your current health coverage. I’ll help you determine whether you should enroll now or delay Medicare without penalties.
What if I miss my enrollment period?
You may incur late enrollment penalties and may have to wait until the next enrollment period or qualify for a Special Enrollment Period before you can enroll.
Will my doctors be covered?
If you choose a Medicare Advantage plan, it’s important to confirm that your doctors, hospitals, and other healthcare providers participate in the plan’s network. Some plans also offer out-of-network coverage at a higher cost. I can help you check whether your providers are covered before you enroll.
How much does Medicare cost?
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Do I need a Medicare Supplement or Medicare Advantage plan?
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I Proudly Serve
New Jersey• New York• Pennsylvania• Connecticut• Delaware• Florida• Virginia• Ohio• Texas
Ready to compare your Medicare options? Schedule your complimentary Medicare review today.
Scan to Schedule Your Complimentary Medicare Review
No Cost • No Obligation • Personalized Medicare Guidance
⭐ What My Clients Say
Helping you make Medicare simple and stress-free. Here’s what my clients say about their experience working with me.
★★★★★ 5.0 Google Rating
Based on 4 Verified Google Reviews
Chess Estates ⭐⭐⭐⭐⭐
“Best service I ever received. 10/10 Recommended to each and every friend and family.”
Lloyd G. ⭐⭐⭐⭐⭐
Joycie E.
“Excellent professional service. Resourceful and very knowledgeable. Answered my questions easily.”
Queenie B.
“Derene went above and beyond to help me understand my Medicare options. She was patient, knowledgeable, and made the entire process stress-free.”
★★★★★ See All Google Reviews
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 to get information about all of your Medicare options.