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 Agent
• Licensed in NJ, NY, PA, CT, DE, FL, VA, OH, TX, and GA.
• Compare plans from multiple leading insurance companies
Your Medicare Options
Hospital (Part A) and Medical Insurance (Part B) provided by the federal government.
Provides your Part A and Part B benefits through a Medicare-approved private insurance company and may include prescription drug, dental, vision, hearing, and other benefits.
Helps pay many out-of-pocket costs not covered by Original Medicare.
Helps cover the cost of prescription medications.
Which Medicare Option May Be Right for You?
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
Coverage
Doctor Choice
Prescription Drugs
Dental/Vision
Monthly Premium
Out-of-Pocket Costs
Referrals Required
Original Medicare
Any doctor who accepts Medicare
Separate Part D plan needed
No
Part B premium
No annual limit
No
Medicare Advantage
Network-based
Often included
Often included
Varies by plan
Annual maximum limit
Sometimes
Medigap
Any doctor who accepts Medicare
Separate Part D plan needed
No
Part B + Medigap premium
Very low after supplement pays
No
Meet Your Licensed Independent Medicare Insurance Agent
Derene Derricotte
Choosing Medicare plan doesn’t have to be confusing. As a Licensed Independent Medicare Insurance Agent, 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?
• Licensed Independent Medicare Insurance Agent
• 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 – Your Initial Enrollment Period begins. Review your Medicare options and enroll if appropriate.
Birthday Month – Your Initial Enrollment Period continues.
3 Months After – Your Initial Enrollment Period generally ends three months after your birthday month.
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
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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Licensed to Serve Clients in:
New Jersey • New York • Pennsylvania • Connecticut • Delaware • Florida • Virginia • Ohio • Texas • Georgia
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
Read what clients are saying on Google
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.