Chaperone Health Insurance Plus
How to Find the Best Medicare Agent Near You in South Florida
Medicare comes with a lot of choices, and the person helping you sort through them matters as much as the plan you pick. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets, based in Fort Lauderdale. I’ve spent 14 years in insurance and the last 8 focused on Medicare, helping people compare Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans side by side, checked against their doctors, their prescriptions, and their full-year cost.
Whether you’re turning 65, retiring from a job with health benefits, qualifying for Medicare because of a disability, or taking a second look at a plan you already have, I’ll explain your options in plain language and let you make the call. When you’re ready to talk it through, book a free plan review and I’ll get back to you personally within 24 to 48 hours.
To learn more about specific Medicare insurance companies, see how I help with Humana Medicare plans, UnitedHealthcare Medicare plans, Aetna Medicare plans, Florida Blue Medicare plans, HealthSpring (formerly Cigna) Medicare plans, Devoted Health Medicare Advantage plans, Wellcare Medicare plans, and CarePlus Medicare Advantage plans.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From a Medicare Agent Who Does the Research for You
Each Medicare path checks your care differently, so before I recommend anything, I check:
- Your doctors and hospitals against each plan’s network, including HCA Florida, Memorial, and Baptist Health
- Your prescriptions and pharmacy against each drug list
- Your full-year cost, not only the premium
If anything is unclear, I call your doctor’s office to confirm it. Your quote is free, with no obligation to enroll. Get your free quote and I’ll do the research for you.
Hear how I help you choose a plan with confidence.
MORE THAN A FREE QUOTE
Why Choose Me for Medicare
When you’re comparing Medicare agents, here’s what to look for, and what you can expect from me.
Your Doctors, Hospitals, and Prescriptions Checked First: Before I recommend any plan, I check your doctors, hospitals, and every prescription against its network and drug list, including your pharmacy. If something is unclear, I’ll call your doctor’s office myself.
Every Question Answered, at Your Pace: Medicare has a lot of moving parts, and most people spend less than an hour choosing a plan. I take as long as you need, explain each piece in plain language, and answer every question until it makes sense. There’s no pressure and no obligation to enroll.
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, including copays, drug costs, and your out-of-pocket maximum, based on your health needs, before you choose.
My Help Costs You Nothing Extra: Insurers pay my commission, and plan premiums are generally the same whether you enroll through me or directly, so you get personal guidance and ongoing support at no additional charge.
Both Paths, Side by Side: Medicare Advantage, Medigap, and Part D each work differently. I lay out every path that fits your situation and explain what you’d gain and give up with each, so you decide with the full picture.
I Handle the Paperwork: If you choose a plan, I complete the application with you, confirm your enrollment window, and follow it through to approval, so the process is as simple as a conversation.
Licensed and Verified: I’m licensed in 33 states, I complete AHIP’s annual Medicare certification, and I’m certified for the 2027 plan year. You can verify my license (Florida License #W323530, NPN #17946070) anytime through your state’s insurance department.
I Stay Your Agent After You Enroll: Work with me directly, in person, by phone, on Zoom, or at your home in Broward, Miami-Dade, or Palm Beach, and I reply within 24 to 48 hours. I review your coverage every Annual Enrollment Period and help with claims and billing in between.
You can read all 25 reasons we should work together on my Why Choose Me page.
Medicare Advantage, Medigap, and Part D in Plain Language
Original Medicare is made up of Part A (hospital insurance) and Part B (medical insurance). Most people then choose between two main paths for the rest of their coverage. The rules and long-term costs of each path differ substantially, so I walk every client through both before we narrow anything down.
Medicare Advantage (Part C) plans are offered by private insurance companies approved by Medicare. They’re a different way to receive your Part A and Part B benefits, not an add-on to Original Medicare, and many include prescription drug coverage. Most use provider networks, so checking your doctors and hospitals against each plan is an important step. Costs, networks, and extra benefits vary from plan to plan and can change every year.
Medicare Supplement (Medigap) plans work alongside Original Medicare and help pay some of the costs it leaves behind, like deductibles, copays, and coinsurance. In most states, Medigap plans are standardized by letter, so the same lettered plan has the same basic benefits from one insurance company to the next, while premiums can differ. Medigap plans don’t include drug coverage, so most people pair them with a separate Part D plan. A Medigap plan also can’t be used to pay costs in a Medicare Advantage plan, which is one more reason I keep the two paths clearly separate.
Part D prescription drug plans help cover the cost of your medications. Each plan has its own list of covered drugs, pharmacy network, and cost sharing, and all of those can change from year to year. That’s why I redo the drug review for my Medicare clients every Annual Enrollment Period.
Help With Turning 65, Retiring, and Other Medicare Transitions
Changing coverage is when costly mistakes are most likely to happen. I specialize in guiding people who are turning 65 or retiring from employer coverage, and I help 75 to 80 new Medicare clients each year (based on my own client records). Timing matters here. Missing an enrollment window can lead to gaps in coverage or late-enrollment penalties that may last as long as you have Medicare, so I’ll help you plan the timing around your birthday, your retirement date, and any employer coverage you have now.
Medicare isn’t only for people turning 65. People under 65 may qualify because of a disability or certain medical conditions, and I help them understand their options too. I also work with households where one spouse is on Medicare and the other still needs individual coverage, since I help with ACA/Marketplace plans as well. That way, you can keep one trusted agent before and after 65.
Extra Help, Dual Eligibility, and Special Needs Plans
If you may qualify for help with Medicare costs, I’ll make sure you know about it. Extra Help is a program that may lower what you pay for Part D prescription drugs, depending on your income and resources. Some people qualify for both Medicare and Medicaid, and Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for specific groups, such as people who are dually eligible or who live with certain chronic conditions.
Eligibility for each of these depends on your situation. I’ll help you understand whether you might qualify, how these options fit with the rest of your coverage, and what to expect if your eligibility changes.
Is Working With an Independent Medicare Advisor Right for You?
An independent Medicare advisor can be a good fit if you want someone to compare plans for you, explain the trade-offs in plain language, and stay available after you enroll. It can be especially helpful if you take several prescriptions, see specialists, want to keep a particular doctor or hospital, are leaving employer coverage, or simply aren’t sure which path makes sense. If you’ve already done your own research, I’m glad to double-check your choice. My help comes at no extra cost to you, and there’s no obligation to enroll.
We can meet by phone, on Zoom, at my office in Fort Lauderdale, or at your home anywhere in Broward, Miami-Dade, and Palm Beach counties. If you live in another state where I’m licensed, we can work together by phone or Zoom.
MORE WAYS I CAN HELP
Find the Right Coverage for Every Stage of Life
Most households need more than one kind of coverage, and what you need changes as life does. Keep reading for the details on this page, or see all the coverage I help with and my guides to each type of insurance:
Frequently Asked Questions About Choosing a Medicare Agent
What’s the Difference Between an Independent Medicare Agent and a Captive Agent?
A captive agent sells one insurance company’s plans. An independent agent is contracted with several companies and can compare their plans side by side. I’m an independent agent with HealthMarkets, so I compare plans from the carriers I represent, though not every plan available in your area.
Do You Only Help People Turning 65?
No. Turning 65 and retiring from employer coverage are a big part of my work, but I also help people under 65 who qualify for Medicare because of a disability, people who already have Medicare and want a second look at their plan, and people who may qualify for Extra Help, Medicaid, or a Special Needs Plan.
Can You Help if I Already Have a Medicare Plan?
Yes. Plans, networks, and drug lists can change every year, so I’m glad to review what you have. I’ll check your current plan against your doctors, prescriptions, and expected costs. If it’s still the right fit, I’ll tell you to keep it. If another option may fit better, I’ll explain the differences, including what you’d give up, so you can decide with the full picture.
Do You Offer Every Medicare Plan in My Area?
No. We do not offer every plan available in your area. Currently we represent 8 organizations which offer 65 products in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, to get information on all of your options. In Florida, you can also get free Medicare counseling through the state’s SHIP program, called SHINE.
When Can I Sign Up for or Change Medicare Coverage?
Your Initial Enrollment Period is a seven-month window around your 65th birthday: the three months before your birthday month, your birthday month, and the three months after. The Annual Enrollment Period runs October 15 to December 7, when you can join, switch, or drop a Medicare Advantage or Part D plan, with changes starting January 1. From January 1 to March 31, people already in a Medicare Advantage plan can make one change during the Medicare Advantage Open Enrollment Period. Medigap has its own six-month open enrollment period starting the month you’re 65 or older and enrolled in Part B. Special Enrollment Periods may apply after certain life events, like losing employer coverage or moving. Because these dates affect penalties and your choices, I’ll help you confirm which ones apply to you.
Where Are You Located, and How Can We Meet?
My office is at 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309. We can meet there, at your home anywhere in Broward, Miami-Dade, or Palm Beach County, by phone, or on Zoom. Clients in the other 32 states where I’m licensed work with me by phone or Zoom. Whichever you choose, I reply within 24 to 48 hours.
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
Meet by: phone, video, at my office, or at home in Broward, Miami-Dade and Palm Beach.
- 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.