Chaperone Health Insurance Plus
HEALTH, MEDICARE & LIFE INSURANCE AGENT NEAR YOU IN FORT LAUDERDALE · FREE QUOTE
Coverage that fits your doctors, your prescriptions and your budget.
I’m Roxroy Ashley. For 14 years I’ve helped people compare health, Medicare, and life insurance side by side, in plain language, at your pace, with every question answered. I stay on as your agent long after you enroll, and when you call, you reach me.
Hear how I help you choose a plan with confidence.
14
Years in Insurance
1,800+
Clients Helped
85%+
Client Retention
Top 100
HealthMarkets Agent, 2022–2026
Roxroy Ashley – Independent Licensed Agent, HealthMarkets
- Why Choose Me
Independent Health, Medicare & Life Insurance Broker
As an independent agent with HealthMarkets, I’m not tied to one insurance company. I compare plans from multiple carriers so you see real options side by side, and I stay involved long after you enroll.
- Your Doctors and Prescriptions Checked: I confirm your providers, medications, and pharmacy are covered before recommending any plan. If something is unclear, I’ll call your doctor’s office myself.
- The Plan That Costs Less for You: The lowest premium isn’t always the lowest cost. I calculate your full-year cost for every plan, based on your doctors, prescriptions, and health needs, before you choose.
- Expert Help, Free to You: My reviews and enrollment help are free. Insurers pay my commission, and premiums are generally the same whether you use an agent or not.
At Your Pace, Every Question Answered: I’ll walk you through your options at your pace, answer every question, and let you decide what’s right. There’s no obligation to enroll.
- I Handle the Paperwork: If you choose a plan, I complete the application with you and follow it through to approval, so the process is as simple as a conversation.
- I Stay Your Agent After You Enroll: Work with me directly, in person, by phone, or on Zoom, and I reply within 24 to 48 hours, for annual reviews, claims, and every change in between.
- Coverage for Every Stage of Life: Medicare, ACA/Marketplace Health Insurance, Small Business Plans, Life, Dental, Vision, and Supplemental Coverage.
SERVICES
One agent for every stage of life.
Whether you’re turning 65, buying your own coverage or covering a small team, I can help you find a plan and keep it working for you.
Medicare Advantage, Medicare Supplement (Medigap) and Part D prescription plans, compared on your doctors, drugs and total cost. Learn more about my Medicare plans.
First-time enrollment and leaving employer coverage come with deadlines and penalties that are easy to miss. I’ll help you time it right. See how I help when you’re turning 65 or retiring.
ACA Marketplace and off-Marketplace plans for anyone under 65, including households where one spouse is on Medicare and the other isn’t. Compare individual and family health insurance options.
Group health plans for businesses with 50 or fewer employees, and individual options for freelancers and business owners. Learn more about small business and self-employed coverage.
Medicare and Medicaid dual eligibility, Special Needs Plans, Extra Help with drug costs and Special Enrollment Periods. Find out about Extra Help and special situations.
Round out your health coverage with dental, vision, life and supplemental insurance through the same agent. Explore dental, vision, life and supplemental insurance.
- How It Works
How we'll work together
Five steps, no pressure, and I stay with you after you enroll.
1
We talk about you
By phone, Zoom or face to face. Your health, your budget, your doctors.
2
I check the details
Doctors, hospitals, prescriptions and pharmacy, checked against each plan.
3
We compare real costs
A full-year estimate for each option, explained in plain language.
4
You decide, I enroll you
No pressure. If you choose a plan, I handle the application with you.
5
We review every year
Plans and networks change. I check yours each year and help with claims in between.
A Bit More About Me
I’ve spent 14 years in insurance and the last 8 focused on Medicare. Before that, I built a background in business and technology, with a Master’s in Business and a BA in Information Technology, which is a big part of why I like turning complicated plan details into something clear.
My approach is education first. I take the time to understand each client individually, explain your options step by step, and let you make the call. I’m proud that more than 8 out of 10 of my clients stay with me year after year, based on my own client records. To me, that’s the real measure of whether I did my job.
Want to learn at your own pace? Start with my Knowledge Center, or check out my TikTok videos, where I break down Medicare in a minute or two.
Book a Free Plan Review
Pick a time for a free 15-minute call by phone or video. I’ll check whether your doctors are covered, and my help never costs you anything extra.
Call or text: (954) 410-3710
Email: contact@chaperonehealthinsuranceplus.com
Office: 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309
Hours: Monday-Friday: 8AM-7PM | Saturday-Sunday: 10AM-3PM
Meet by: phone, video, at my office, or at home in Broward, Miami-Dade and Palm Beach.
AVAILABLE VIRTUALLY AND IN PERSON ANYWHERE IN SOUTH FLORIDA
Office and Home Visits
My office is in Fort Lauderdale, an easy trip from most of Broward County. You’re welcome to meet me there, or I can come to you anywhere in Broward, Miami-Dade, and Palm Beach counties.
I work with clients in Pembroke Pines, Hollywood, Miramar, Coral Springs, Davie, and across South Florida, and I know local health systems like HCA Florida, Memorial Healthcare System, and Baptist Health.
Prefer not to meet in person? We can talk by phone or Zoom, and I’m licensed in 33 states, so family outside Florida can join too.
CLIENT REVIEWS
What my clients say
"An Outstanding Insurance Agent Who Truly Cares!"
Maria F., Fort Lauderdale Client (read review on Google Maps)
"Roxroy is a miracle worker!"
Roxroy is a miracle worker! He got my mother’s insurance company to expedite the review of a surgery she needed, which otherwise would have taken far too long to be approved. I truly cannot say enough good things about him.
His dedication, compassion, and willingness to go above and beyond made all the difference for our family. We are incredibly grateful for his help!
David F., Fort Lauderdale Client (read review on Yelp)
FAQ
How Much Does It Cost to Work With You?
Nothing. My help comes at no extra cost to you, and plan reviews and quotes are free with no obligation to enroll. I’m paid a commission by the insurance company when you enroll in a plan through me, and that commission is already built into the plan’s premium, so you pay the same whether you enroll through me or directly with the carrier. Your actual yearly cost depends on the plan itself: premium, deductible, copays, drug costs, and out-of-pocket maximum. I give you a full-year estimate for each option, and all quotes are estimates until you’re enrolled.
What Types of Insurance Do You Help With?
Medicare (Medicare Advantage, Medicare Supplement, and Part D), ACA Marketplace and off-Marketplace health plans for people under 65, small-group plans for businesses with 50 or fewer employees, and dental, vision, life, and supplemental coverage. I also help with Medicare and Medicaid dual eligibility, Special Needs Plans, Extra Help with drug costs, and Special Enrollment Periods. I handle all of it personally, so your whole household can use one agent.
What’s the Difference Between an Insurance Agent, a Broker, and an Insurance Company?
Insurance companies issue the policies and pay the claims. I’m not one of them. I’m an independent licensed agent with HealthMarkets Insurance Agency, Inc., which means I’m contracted with several companies and compare their plans side by side for you. A captive agent, by contrast, sells one company’s plans only. “Agent” and “broker” are used interchangeably by most people, and in my case they mean the same thing. I don’t offer every plan in your area, and I’ll always tell you which ones are available through me.
What Happens After I Request a Free Plan Review?
We talk first, by phone, Zoom, or in person, about your health, your budget, and your doctors. Then I check your doctors, hospitals, prescriptions, and pharmacy against each plan and give you a full-year cost estimate for every option. You decide with no pressure. If you choose a plan, I handle the application with you, and after that I review your coverage every year and help with claims in between.
How Do I Choose a Good Insurance Agent?
Confirm they’re licensed first. In Florida you can check through the Department of Financial Services; my license number is W323530 and my NPN is 17946070. Then look for someone who asks about your needs before recommending anything, checks your doctors against each plan, explains the full cost clearly, and stays available after you enroll. It’s also fair to ask how many carriers they work with.
How Experienced Are You?
I’ve spent 14 years in insurance, the last 8 focused on Medicare, and helped more than 1,800 clients. HealthMarkets has ranked me among its top 100 agents nationwide every year from 2022 through 2026. I’m licensed in 33 states, AHIP certified for the 2027 plan year, and registered with the federal Health Insurance Marketplace. My Master’s in Business and BA in Information Technology are a big part of why I like turning complicated plan details into something clear.
