Chaperone Health Insurance Plus
Medicare Part D Agent Near You in Fort Lauderdale, Florida
Prescription costs are one of the easiest parts of Medicare to get wrong. Two plans with similar premiums can cost you very different amounts over a year, depending on your medications, your pharmacy, and how each plan covers them. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets, based in Fort Lauderdale. I help people compare Medicare Part D prescription drug plans and Medicare Advantage plans with drug coverage, checked against every medication they take.
Whether you’re new to Medicare, comparing Part D plans for 2027, or wondering why your drug costs went up this year, I’ll run your full medication list through each plan we consider and show you a full-year cost estimate. I’ve spent the last 8 of my 14 years in insurance focused on Medicare, and I redo the drug review for my clients every Annual Enrollment Period. When you’re ready, book a free plan review and I’ll get back to you personally within 24 to 48 hours.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From a Medicare Agent Who Compares Medicare Part D Plans
Every Part D plan has its own list of covered drugs, its own pharmacy network, and its own cost sharing, and all three can change from one year to the next. Before I recommend anything, I check each of your prescriptions against each plan’s drug list, including the dose and how often you fill it. I also check whether the plan puts limits on a drug, such as requiring your doctor’s approval first or asking you to try a different drug before it will cover yours.
Your pharmacy matters too. Many plans charge less at preferred pharmacies, so I compare your costs at the pharmacy you already use, including local and mail-order options. If a coverage detail is unclear, I call your doctor’s office to confirm it, so you don’t have to. Your quote is free, there’s no obligation to enroll, and it includes a full-year cost estimate for each option, not only the monthly premium. 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 Part D
When you’re comparing Part D help, here’s what you can expect from me.
Every Prescription Checked, Every Year: I run your full medication list and preferred pharmacy through every plan we consider. Part D drug lists and costs can change each year, so I redo this review for my Medicare clients every Annual Enrollment Period.
Your True Yearly Drug Cost: The lowest premium isn’t always the lowest cost. I add up the premium, deductible, and what you’d pay for each prescription over the full year, so you can compare plans on what you’d actually spend.
Both Ways to Get Drug Coverage: You can get Part D as a standalone plan alongside Original Medicare, or as part of a Medicare Advantage plan that includes drug coverage. I compare both paths when they fit your situation.
Help You May Qualify For: If your income and resources are limited, you may qualify for Extra Help with Part D costs. I’ll help you find out and explain how it works with your plan.
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.
Licensed and Verified: I’m licensed in 33 states and AHIP 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, by phone, on Zoom, at my Fort Lauderdale office, or at your home in Broward, Miami-Dade, or Palm Beach. If a pharmacy says a drug isn’t covered, or a claim doesn’t look right, I’ll help you sort it out.
You can read all 25 reasons we should work together on my Why Choose Me page.
Compare Medicare Plans From the Carriers I Work With
The right drug plan depends on your prescriptions and pharmacy more than the name on the card. Keep reading for Part D details, or start with my overview of your Medicare options and my guides to each carrier I work with:
What Is Medicare Part D?
Medicare Part D is prescription drug coverage. Original Medicare, which is Part A (hospital insurance) and Part B (medical insurance), covers very few of the drugs you pick up at a pharmacy, so most people add drug coverage in one of two ways.
The first is a standalone Part D plan, also called a Medicare prescription drug plan. You keep Original Medicare for your hospital and medical care, and the Part D plan covers your prescriptions. People who choose a Medicare Supplement (Medigap) plan usually pair it with a standalone Part D plan, because Medigap plans sold today don’t include drug coverage.
The second is a Medicare Advantage prescription drug plan. Medicare Advantage plans are a different way to receive your Part A and Part B benefits, not an add-on to Original Medicare, and many of them include drug coverage in the same plan. If you join a Medicare Advantage plan that includes drug coverage, you generally can’t also have a separate standalone Part D plan.
Part D plans are offered by private insurance companies approved by Medicare, so the drugs covered, the pharmacies in network, and the costs vary from plan to plan. That’s why comparing them against your own prescriptions matters more than comparing the plan names.
What Does Medicare Part D Cover?
Every Part D plan has a formulary, which is its list of covered drugs. Formularies are organized into tiers, and drugs on lower tiers, often generics, usually cost less than drugs on higher tiers. Medicare sets rules for what every formulary must include, but each plan chooses which specific drugs it covers and which tier each one sits on.
Medicare Part D coverage usually includes most prescription drugs you fill at a pharmacy, many vaccines recommended for adults, and covered insulin, which costs no more than $35 for a month’s supply under Part D. Some drugs come with rules, such as prior authorization, step therapy, or quantity limits, so I check those for each of your medications.
Drugs given in a doctor’s office or hospital, such as many infusions, are usually covered under Part B, not Part D. If you take a drug like that, I’ll explain which part of Medicare covers it and what that means for your costs.
Medicare Part D Cost in 2027
What you pay for Medicare Part D depends on the plan you choose and the drugs you take, but every plan works within limits Medicare sets each year. For 2027, Medicare says no drug plan can have a deductible above $700, and once your out-of-pocket spending on covered drugs reaches $2,400, you pay nothing more for covered Part D drugs for the rest of the year. Some plans have no deductible at all, and premiums vary widely from plan to plan.
Here’s what usually makes up your yearly Part D cost:
Premium: the monthly amount you pay for the plan. People with higher incomes may also pay an extra amount on top of their premium, based on their income from two years earlier.
Deductible: what you pay for covered drugs before the plan starts sharing the cost, up to the 2027 limit.
Copays or coinsurance: your share of each prescription after the deductible, which depends on the drug’s tier and your pharmacy.
Out-of-pocket limit: once you reach $2,400 in 2027, your costs for covered drugs stop for the rest of the year.
If paying for prescriptions all at once is hard on your budget, the Medicare Prescription Payment Plan lets you spread your out-of-pocket drug costs across the year in monthly payments. It doesn’t lower your total cost, but it can make it more manageable. I’ll explain how it works and whether it makes sense for you.
For a deeper look at how each cost stage works, see my guide to 2027 Medicare Part D costs.
How to Find the Best Medicare Part D Plans for You
The best Part D plan for your neighbor may be the wrong plan for you. A plan with a low premium can still cost more over the year if it puts one of your medications on a high tier or doesn’t include your pharmacy. When I compare Medicare Part D plans, I focus on four things:
Your medications: whether each drug is covered, which tier it’s on, and whether any rules apply.
Your pharmacy: whether it’s in network, and whether it’s a preferred pharmacy with lower costs.
Your full-year cost: premium, deductible, and what you’d pay for each prescription over twelve months.
What’s changing: plans can change their drug lists, tiers, and costs each year, so a plan that fit well in 2026 may not fit as well in 2027. Your plan mails an Annual Notice of Change by September 30 each year, and it’s worth checking it for your medications before the Annual Enrollment Period ends.
If one of your medications isn’t covered by any plan that otherwise fits, I’ll talk with you about options, such as asking your doctor about a covered alternative or requesting an exception from the plan.
Medicare Part D Enrollment and the Part D Penalty
Timing matters with Part D, because a late enrollment penalty can follow you for as long as you have drug coverage. Here are the main Medicare Part D enrollment windows:
Initial Enrollment Period: a seven-month window around the month you first become eligible for Medicare, usually around your 65th birthday.
Annual Enrollment Period: October 15 to December 7 each year, when you can join, switch, or drop a Part D or Medicare Advantage plan. Changes start January 1. Right now, that window is open for 2027 coverage.
Special Enrollment Periods: certain life events, such as moving, losing other drug coverage, or qualifying for Extra Help, may let you change plans at other times of the year.
The Part D penalty applies if you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period ends. Creditable coverage is drug coverage that’s expected to pay at least as much as standard Medicare drug coverage, such as many employer plans. If you’re working past 65 and have coverage through your job, ask your employer whether it’s creditable, and keep the notice they send you. I help people turning 65 or retiring time their drug coverage so there’s no gap.
Is Working With a Medicare Part D Agent Right for You?
A Medicare Part D agent can be a good fit if you take several prescriptions or a high-cost drug, if you want to keep using a particular pharmacy, if your drug costs went up this year, or if you’re turning 65 and aren’t sure what to do about drug coverage. It’s also helpful if you’re weighing a standalone Part D plan against a Medicare Advantage plan with drug coverage and want to see both side by side.
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 Medicare Part D
How Much Does Medicare Part D Cost?
My help comes at no extra cost to you, and plan reviews and quotes are free with no obligation to enroll. Insurers pay my commission, and premiums are generally the same whether you enroll through me or directly. What you pay for the plan itself depends on its premium, its deductible (no more than $700 in 2027), your copays or coinsurance for each drug, and the 2027 out-of-pocket limit of $2,400 for covered drugs. That’s why I give you a full-year cost estimate for each plan, based on your actual prescriptions. If your income and resources are limited, you may qualify for Extra Help, which can lower your premium, deductible, and drug costs. All quotes are estimates and are not final until you’re enrolled.
What Is the Part D Penalty, and How Is It Calculated?
If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period, Medicare may add a late enrollment penalty to your premium. It’s 1% of the national base beneficiary premium for each full month you went without coverage. For 2027, that base premium is $41.33, so 10 months without coverage would add about $4.10 a month. The penalty usually lasts as long as you have Part D, and people who get Extra Help don’t pay it.
How Do I Sign Up for Medicare Part D?
You can enroll during your Initial Enrollment Period, during the Annual Enrollment Period from October 15 to December 7, or during a Special Enrollment Period if one applies to you. If you choose a plan with me, I’ll handle the application with you and confirm your enrollment window, so your coverage starts when you need it.
Can I Use the Medicare Part D Plan Finder Instead of Working With an Agent?
Yes. Medicare’s Plan Finder on Medicare.gov lets you compare drug plans yourself, and it’s a good tool. Working with me adds a second set of eyes: I check each drug’s restrictions, compare your actual pharmacy, call your doctor’s office when something is unclear, and stay available after you enroll. Many of my clients use both.
Is Medicare Part D Ending?
No. Part D isn’t ending. You may have seen headlines about a temporary program that helped hold down standalone Part D premiums in 2025 and 2026. Medicare is ending that program after 2026, which can affect some 2027 premiums, but Part D drug coverage itself continues. If your premium is changing for 2027, I’ll help you compare your options.
Does a Low or $0 Premium Mean My Drugs Will Cost Less?
Not always. A plan’s premium is only one part of what you pay. A plan with a low or $0 premium can still have a higher deductible, put one of your medications on a costly tier, or leave out your pharmacy. That’s why I compare your full-year cost for each plan, based on the prescriptions you actually take.
What Is a Medicare Part D Formulary?
A formulary is a plan’s list of covered drugs, organized into cost tiers. Each plan builds its own formulary within Medicare’s rules, and it can change from year to year. I check your prescriptions against each plan’s formulary, including the tier and any restrictions.
Can I Get Help Paying for Part D?
You may. Extra Help, also called the Medicare Part D low-income subsidy, is a Medicare program that helps pay Part D premiums, deductibles, and drug costs for people with limited income and resources. You automatically qualify if you have Medicaid, a Medicare Savings Program, or SSI. Otherwise, you can apply. Learn more on my Extra Help and Special Situations page.
How Are Medicare Part D Plans for 2027 Different From 2026?
For 2027, Medicare raised the deductible limit from $615 to $700 and the out-of-pocket limit from $2,100 to $2,400. Individual plans also update their premiums, drug lists, and pharmacy networks, so it’s worth reviewing your plan during the Annual Enrollment Period, which runs October 15 to December 7, 2026, for coverage starting January 1, 2027.
Do You Offer Every Part D 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.
Book a Free Plan Review
Pick a time for a free 15-minute call by phone or video. Bring your list of medications and your pharmacy, and I’ll check how each plan covers them. 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.