Chaperone Health Insurance Plus
MEDICARE ADVANTAGE & SPECIAL NEEDS PLANS
Medicare Advantage Agent Near You in Fort Lauderdale, Florida
Medicare Advantage plans, also called Part C, are how many South Floridians receive their Medicare benefits, and they are also the plans that change the most from one year to the next. 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, and I compare the 2027 Medicare Advantage plans from the carriers I represent against your doctors, your hospitals, your prescriptions, and your full-year cost before I recommend anything.
If you’ve been searching for a Medicare Advantage agent near me, Medicare Advantage brokers near me, or simply Medicare agents near me and a Medicare broker near me you can meet face to face, here’s how I work. Whether you’re joining Medicare for the first time, comparing an HMO with a PPO, checking whether you may qualify for a Special Needs Plan, or taking a second look at the Advantage plan you already have, I’ll explain the options in plain language and let you make the call. Annual Enrollment for 2027 coverage runs through December 7, 2026. When you’re ready, book a free plan review and I’ll get back to you personally within 24 to 48 hours.
To learn more about specific Medicare Advantage carriers, 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 Advantage Broker Who Does the Research for You
Whether an Advantage plan fits comes down to its network and its drug list, 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, including copays and the plan’s out-of-pocket maximum, 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 Advantage Plans
When you’re comparing Medicare Advantage agents, here’s what to look for, and what you can expect from me.
Your Doctors, Hospitals, and Prescriptions Checked First: Networks and drug lists change every year, and a plan that covered everything last year may not this year. 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: Advantage plans have a lot of moving parts, from referrals to prior authorization to extra benefits, and most people spend less than an hour choosing one. 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: A $0 premium isn’t a $0 year. I calculate your full-year cost for every plan, including copays, drug costs, and the plan’s out-of-pocket maximum, based on how you actually use care, 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 isn’t the right fit for everyone. I lay it out next to Original Medicare with a Medigap plan and Part D, and explain what you’d gain and give up with each, so you choose an Advantage plan because it fits, not because it was the only path presented.
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. Advantage plans change every year, so I review your plan 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 and Special Needs Plans for 2027
Here’s how the 2027 Medicare Advantage lineup in Broward, Miami-Dade, and Palm Beach counties is organized, based on the plan information available in October 2026. Plans vary by county and even by ZIP code, so I’ll confirm exactly what’s available at your address. The sections below walk through each piece in the order I explain them to clients: what Part C is, how HMO and PPO networks differ, how drug coverage works inside these plans, what a $0 premium does and doesn’t mean, and which Special Needs Plans exist for people in specific situations.
Medicare Advantage in Plain Language: What Part C Is and Isn’t
Original Medicare is Part A (hospital insurance) and Part B (medical insurance), run by the federal government. A Medicare Advantage plan, also called Part C, is offered by a private insurance company approved by Medicare. When you join one, you still have Medicare, you still pay your Part B premium, and you still have all the rights and protections of Medicare, but you receive your Part A and Part B benefits through the plan instead of through Original Medicare.
An Advantage plan is a different way to receive your benefits, not an add-on to Original Medicare and not a supplement. That distinction matters, because a Medicare Supplement (Medigap) plan can’t be used to pay costs in an Advantage plan, and you can’t hold both at the same time. Most Advantage plans bundle extras such as dental, vision, hearing, or a fitness benefit, and most include prescription drug coverage. In exchange, most use a provider network and set their own copays and out-of-pocket maximum, which is why the plan details matter so much.
HMO and PPO Medicare Advantage Plans: What the Network Means for You
The two plan structures you’ll see most in South Florida are HMO and PPO. With an HMO, you usually choose a primary care doctor, use the plan’s network for most care, and may need a referral to see a specialist. Care outside the network generally isn’t covered except for emergencies and urgent care. In return, HMOs often have lower copays and a lower out-of-pocket maximum. Some HMOs are HMO-POS plans, which add some coverage for certain out-of-network services.
With a PPO, you can see doctors in or out of the network without a referral, and out-of-network care is covered at a higher cost to you. PPOs tend to have higher cost sharing and a separate, higher out-of-pocket maximum for out-of-network care. If you split time between Florida and another state, see a specialist who isn’t in many networks, or simply want more flexibility, a PPO may fit better. If you’re happy with a primary care doctor and a local network, an HMO may cost you less over the year. I check both against your doctors and your travel before we narrow anything down.
Medicare Advantage Plans With Prescription Drug Coverage
Most Medicare Advantage plans in South Florida include Part D prescription drug coverage, which is why they’re sometimes called MAPD plans. Each plan has its own drug list, pharmacy network, tiers, and cost sharing, and all of those can change from year to year. Two plans with the same premium can price the same medication very differently, so I run your full medication list through every plan we consider and confirm your preferred pharmacy is in the plan’s network.
A few Advantage plans don’t include drug coverage, which can make sense if you already have creditable drug coverage from another source, such as a former employer or the VA. If you join a Medicare Advantage HMO or PPO without drug coverage and have no other creditable coverage, you generally can’t add a separate Part D plan, so I’ll make sure your drug coverage is settled before you enroll. If you may qualify for Extra Help with drug costs, I’ll explain how that works with an Advantage plan; you can read more on my Extra Help & Special Situations page.
Why a $0 Premium Doesn’t Mean a $0 Year
Many Medicare Advantage plans in Broward, Miami-Dade, and Palm Beach counties have a $0 monthly plan premium. That is a real feature of the plan, and it’s not a gimmick, but it isn’t the same as a plan being free, and I won’t describe it that way. You still pay your Part B premium, and the plan still has copays, coinsurance, and an out-of-pocket maximum that decide what a year of care actually costs you.
That’s why I calculate your full-year cost instead of sorting plans by premium. A plan with a $0 premium and higher specialist copays can cost more over a year than a plan with a modest premium and lower cost sharing, depending on how often you see a doctor and what you take. Some plans also offer a reduction in your Part B premium, which I’ll weigh as part of the same yearly estimate. I’ll show you the estimate for each plan, explain how I got there, and let you decide.
Special Needs Plans: D-SNP and Chronic Condition Options
Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for specific groups of people. The two kinds you’ll see most in South Florida are dual-eligible Special Needs Plans (D-SNPs), for people who have both Medicare and Medicaid, and chronic condition Special Needs Plans (C-SNPs), for people living with certain conditions such as diabetes, heart failure, cardiovascular disorders, or chronic lung disorders. Each has a qualifying rule, and the plan’s benefits and care coordination are built around that group.
Eligibility depends on your situation: your Medicaid status for a D-SNP, or a qualifying diagnosis confirmed by your doctor for a C-SNP. I’ll help you understand whether you may qualify, how a Special Needs Plan compares with a standard Advantage plan for your doctors and prescriptions, and what happens to your plan if your eligibility changes. For more on dual eligibility, Extra Help, and Special Enrollment Periods, see my Extra Help & Special Situations page.
Medicare Advantage Enrollment Periods: AEP, OEP, and Special Enrollment Periods
Timing is one of the places Advantage plans trip people up. The Annual Enrollment Period (AEP) runs from October 15 to December 7 each year. During AEP you can join a Medicare Advantage plan, switch from one Advantage plan to another, switch between Original Medicare and Medicare Advantage, or change your Part D plan, with coverage starting January 1. For 2027 coverage, that window closes December 7, 2026.
The Medicare Advantage Open Enrollment Period (OEP) runs from January 1 to March 31. It’s a window for people who are already in a Medicare Advantage plan on January 1 to make one change: switch to a different Advantage plan, or return to Original Medicare and, if needed, join a Part D plan. It isn’t a window for joining Advantage for the first time. Special Enrollment Periods may apply after certain life events, such as moving out of your plan’s service area, losing employer coverage, or qualifying for Medicaid or Extra Help. If you’re new to Medicare, your Initial Enrollment Period around your 65th birthday applies instead. Because missing a window can mean waiting a year or paying a penalty, I’ll confirm which periods apply to you before we do anything else.
Is a Medicare Advantage Plan Right for You?
A Medicare Advantage plan can be a good fit if your doctors and hospitals are in the plan’s network, your prescriptions are on its drug list at a cost you can plan around, you’re comfortable with a network and copays, and you value the bundled extras. It may fit less well if you see specialists outside the network, travel for long stretches, or would rather have the predictable, nationwide coverage of Original Medicare paired with a Medigap plan and a Part D plan. I lay out both paths side by side so you decide with the full picture, and if the plan you have is still the right fit, I’ll tell you to keep it.
I also help people under 65 who qualify for Medicare because of a disability, and households where one spouse is on Medicare and the other still needs individual coverage. Medicare advisors near me come in many forms; with me, you’ll always work with me directly, with no hand-offs to an assistant or call center. 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.
MORE WAYS I CAN HELP
Compare Medicare Plans From the Carriers I Work With
The right plan depends on your doctors, prescriptions, and budget more than the name on the card. Start with my overview of your Medicare options, compare the other path on my Medicare Supplement plans page, or see my guides to each Medicare carrier I work 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
- CarePlus Medicare Advantage plans
Turning 65 or leaving employer coverage? See my Turning 65 or Retiring page for help timing your first enrollment.
Frequently Asked Questions About Medicare Advantage Plans
What Does a Medicare Advantage Agent Near You Do That I Can’t Do Myself?
You can compare plans on Medicare.gov, and I’m glad to double-check what you find there. What Medicare Advantage brokers near me add is the legwork: I confirm your doctors and hospitals are in each network (and call the office when the directory is unclear), run your full medication list through each drug list, and estimate your full-year cost for each plan, then help with the application and stay on as your agent after you enroll.
How Do I Choose Among Medicare Agents Near You?
Start by confirming the agent is licensed through your state’s insurance department, which in Florida is the Department of Financial Services. Then ask whether they’re independent or captive, which carriers they represent, whether they check your doctors and prescriptions before recommending a plan, and whether they’ll review your plan every year. Whether you’re looking for the best Medicare agent near me, a Medicare broker near me, Medicare advisors near me, or an independent Medicare broker near me, those questions sort out the ones who will do the work. My Florida license number is W323530, and my NPN is 17946070.
What’s the Difference Between a Medicare Advantage HMO and PPO?
An HMO uses a network, usually asks you to choose a primary care doctor, and may require referrals; care outside the network generally isn’t covered except in emergencies. A PPO lets you see providers in or out of the network without a referral, with out-of-network care costing you more. HMOs often have lower copays and a lower out-of-pocket maximum; PPOs offer more flexibility at a higher cost. I check your doctors against both before recommending either.
Does a Medicare Advantage Plan Replace Original Medicare?
You still have Medicare, and you keep paying your Part B premium. An Advantage plan is a different way to receive your Part A and Part B benefits through a private plan, with its own network, copays, and out-of-pocket maximum, and often with drug coverage and extras included. It is not a supplement to Original Medicare, and a Medigap plan can’t be used alongside it.
Who Can Join a Special Needs Plan?
A dual-eligible Special Needs Plan (D-SNP) is for people who have both Medicare and Medicaid. A chronic condition Special Needs Plan (C-SNP) is for people with a qualifying diagnosis, such as diabetes, heart failure, or a chronic lung condition, confirmed by a doctor. Medicare isn’t only for people 65 and older, and people under 65 who qualify because of a disability can join these plans too if they meet the plan’s rule. I’ll help you confirm whether you may qualify.
When Can I Join or Switch a Medicare Advantage Plan?
During the Annual Enrollment Period, October 15 to December 7, with changes starting January 1. During the Medicare Advantage Open Enrollment Period, January 1 to March 31, people already in an Advantage plan can make one change. Your Initial Enrollment Period applies when you first join Medicare, and Special Enrollment Periods may apply after certain life events. I’ll confirm which windows apply to you.
Should I Talk to a Medicare Supplement Agent Near You Instead?
If you want the predictable, nationwide coverage of Original Medicare and would rather pay a monthly premium than copays, a Medicare Supplement (Medigap) plan paired with a Part D plan may fit better than an Advantage plan. The two paths work very differently and can’t be combined. I help with both, so you don’t need two agents; see my Medicare Supplement plans page for how Medigap works, then let’s compare the two side by side.
Do You Offer Every Medicare Advantage 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.
Book a Free Plan Review
Anchor ID on the live page: Free-Plan-Review. All booking links on this page point here.
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.