Turning 65? Get Expert Medicare Guidance You Can Trust.
Turning 65? I’ll help you understand Medicare, compare plans from leading insurance companies, and enroll with confidence—all at no additional cost for my services.
• Licensed Independent Medicare Insurance Agent.
• Licensed in NJ, NY, PA, CT, DE, FL, VA, OH, TX, and GA.
• Compare plans from multiple leading insurance companies
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.
What Happens When You Turn 65?
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.
Your Medicare Options
Meet Your Independent Medicare Insurance Agent
Derene Derricotte
Choosing Medicare doesn’t have to be confusing. As an Licensed Independent Medicare Insurance Agent, I help individuals turning 65 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.
Turning 65 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?
Schedule your complimentary Medicare review today.
Medicare Enrollment Timeline
3 months before your 65th birthday – Start exploring your options.
•Compare Medicare options.
•Check if your doctors participate.
•Review prescription drug coverage.
Month of your 65th birthday – Enroll
•Enroll if needed.
•Make sure your coverage begins on time.
3 months after – Initial Enrollment Period ends.
•Your Initial Enrollment Period ends.
•Missing this deadline may result in penalties.
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 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. If you’re 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 depending on the size of your employer and the type of coverage you have. I’ll help you determine the best time to enroll based on your situation.
What if I miss my enrollment period?
Depending on your circumstances, you may qualify for a Special Enrollment Period (SEP) that allows you to enroll without a late enrollment penalty. If you don’t qualify for an SEP, you may have to wait for another enrollment period and could be subject to a late enrollment penalty. I’ll help you determine what enrollment options are available to you.
When should I enroll in Medicare?
Most people become eligible for Medicare when they turn 65. Your Initial Enrollment Period 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 my doctors be covered?
In many cases, yes. However, it depends on the type of Medicare coverage you choose. Original Medicare allows you to see any provider who accepts Medicare. Medicare Advantage plans have provider networks, so it’s important to verify that your doctors and specialists participate before enrolling. I’ll help you review your providers before you make a decision.
Will Medicare cover my prescriptions?
Original Medicare generally does not cover most outpatient prescription drugs. Prescription drug coverage is available through a stand-alone Medicare Part D plan or is included with many Medicare Advantage plans. I can help you understand your prescription drug coverage options and how your medications may be covered.
How much does Medicare cost?
Most people do not pay a monthly premium for Medicare Part A if they or their spouse paid Medicare taxes while working. However, Medicare Part B has a monthly premium.
With Original Medicare, Medicare generally pays 80% of the approved amount for covered Part B services after you meet the annual Part B deductible, and you are typically responsible for the remaining 20%, with no annual limit on your out-of-pocket costs.
To help with these costs, many people choose a Medicare Supplement (Medigap) plan or a Medicare Advantage plan. You may also need a Part D prescription drug plan if you choose Original Medicare and want prescription drug coverage.
As your independent Medicare advisor, I’ll help you understand your Medicare costs and compare your coverage options so you can choose the plan that best fits your healthcare needs and budget. 📞 Call (973) 313-5762 to schedule your complimentary Medicare review.
Do I need a Medicare Supplement or Medicare Advantage plan?
It depends on your healthcare needs, budget, and personal preferences. Both options help cover your healthcare costs, but they work differently.
•Medicare Supplement (Medigap) works with Original Medicare and helps pay many out-of-pocket costs. It offers the flexibility to see any provider nationwide who accepts Medicare.
•Medicare Advantage (Part C) is an alternative to Original Medicare offered by private insurance companies. Many plans include prescription drug coverage and additional benefits such as dental, vision, hearing, and fitness programs. These plans typically use provider networks.
There isn’t a one-size-fits-all answer. The best choice depends on factors such as your doctors, prescription medications, travel plans, healthcare needs, and budget.
As your independent Medicare advisor, I’ll help you compare both options so you can choose the coverage that best fits your individual needs. 📞 Call (973) 313-5762 to schedule your complimentary Medicare review.
Still Have Questions?
Every Medicare situation is unique. Schedule your complimentary Medicare review, and I’ll help you understand your options, compare plans, and choose coverage that best fits your healthcare needs and budget.
Licensed to Serve Clients in:
New Jersey, New York, Pennsylvania, Connecticut, Delaware, Florida, Virginia, Ohio, Texas
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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.”
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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 to get information about all of your Medicare options.