Chaperone Health Insurance Plus
Insurance Closest to You: Dental, Vision, Life and Supplemental Coverage Near You in Fort Lauderdale, Florida
Your health plan covers a lot, but it usually isn’t the whole picture. Routine dental care, eye exams and glasses, life insurance for the people who depend on you, and extra cash benefits after an accident or serious illness often come from separate policies. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets, and I help individuals and families in Fort Lauderdale and across South Florida round out their coverage with dental, vision, life, and supplemental insurance, all through the same agent they already trust with their health or Medicare coverage.
If you’ve been searching for insurance closest to me, my office is at 6360 NW 5th Way, Suite 101, in Fort Lauderdale, and I offer home visits throughout Broward, Miami-Dade, and Palm Beach counties. I’m also licensed in 33 states, so clients outside South Florida can work with me by phone or Zoom. Every conversation starts with you: what you already have, what’s missing, and what fits your budget. Book a free plan review and I’ll walk you through your options, with no pressure and no obligation to enroll.
I CHECK YOUR DENTIST & EYE DOCTOR
Get a Free Quote From an Insurance Agent Who Does the Research for You
The best dental or vision plan is one your dentist and eye doctor accept, so before I recommend anything, I check:
- Your dentist, eye doctor, and optical store against each plan’s network, waiting periods, and annual maximums
- Your health history against life insurance carriers that may be a better fit, though approval and pricing are up to the insurer
- How each supplemental policy fits alongside your health or Medicare plan, so you don’t pay twice for the same benefit
Your quote is free, with no obligation to enroll, and shows what each policy covers next to what it costs. 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 Dental, Vision, Life & Supplemental Coverage
When you’re comparing agents for coverage beyond your health plan, here’s what to look for, and what you can expect from me.
Your Dentist and Eye Doctor Checked First: Two dental or vision plans can look alike on paper and have very different networks, waiting periods, and annual maximums. Before I recommend anything, I confirm your dentist, eye doctor, and optical store are covered and show you when coverage for the care you need would begin.
Every Question Answered, at Your Pace: Most people overestimate what life insurance costs and aren’t sure how much they need. I walk you through real numbers in plain language, answer every question, and let you decide. There’s no pressure and no obligation to enroll.
What It Covers Next to What It Costs: For each policy, I show you what it pays toward your care or your family next to its full-year cost, not only the monthly premium, so you can see whether it’s worth it for you.
My Help Costs You Nothing Extra: Insurers pay my commission, and premiums are generally the same whether you enroll through me or directly, so you get personal guidance and ongoing support at no additional charge.
Everything You Have, Reviewed Together: Because I also help with health and Medicare plans, I look at your coverage as a whole. That helps you avoid paying twice for the same benefit, or leaving a gap your health plan doesn’t fill.
The Right Carrier for Your Health History: For life insurance, I look for carriers that may be a better fit for your health history before you apply, then complete the application with you and follow it through. Final approval and pricing are up to the insurance company.
Licensed and Verified: I’m licensed in 33 states for health, life, dental, vision, and supplemental coverage. 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, or on Zoom, and I reply within 24 to 48 hours. I check in when your family, your health, or your coverage changes, so a policy you bought years ago still fits the life you have now.
You can read all 25 reasons we should work together on my Why Choose Me page.
Your Dental Insurance Agent in Fort Lauderdale
Many health plans for adults don’t include routine dental care, and Original Medicare generally doesn’t cover most dental services, such as cleanings, fillings, tooth extractions, or dentures. A standalone dental plan can help with those costs. As your dental insurance agent, I start with the question most people care about first: is my dentist in the network? I check your dentist against each plan before we talk about anything else.
From there, I explain the parts of a dental plan that often surprise people. Most plans sort care into preventive services (cleanings and exams), basic services (such as fillings), and major services (such as crowns, bridges, or dentures), and each group may be covered at a different level. Many plans also have a waiting period, which is a set amount of time after your coverage starts before certain services are covered, and an annual maximum, which is the most the plan will pay toward your care in a year. If you need major work soon, those details can matter more than the premium. I’ll also explain the difference between dental insurance and dental discount programs, which offer reduced prices at participating dentists but are not insurance.
If you have Medicare, some Medicare Advantage plans include dental benefits, while people with Original Medicare often add a separate dental plan. Medicare Advantage is a different way to get your Medicare benefits, not a supplement to Medicare, and I’ll explain how each path handles dental care so you can compare them fairly.
Vision Insurance for Eye Exams, Glasses, and Contacts
Most health plans, including Medicare, don’t cover routine vision care. Original Medicare generally doesn’t pay for a routine eye exam or for the cost of glasses or contacts, though it does cover an annual eye exam for people with diabetes, and it covers cataract surgery along with one pair of glasses or contacts afterward. A standalone vision plan is built to fill that gap. As with dental, I start with the question that matters most: is your eye doctor, or the optical store where you buy glasses or contacts, in the plan’s network? I check that before we talk about anything else.
From there, I walk you through what a vision plan typically covers. Most plans pay for a routine eye exam once a year, then offer an allowance or discount toward frames, lenses, or contacts, usually on a set schedule, such as once every one or two years. Some plans also cover lens upgrades, like anti-glare or progressive lenses, at an additional cost. Because these allowances and schedules vary by plan and carrier, I’ll show you what each one actually pays toward your glasses or contacts, not just the monthly premium.
If you have Medicare, some Medicare Advantage plans include vision benefits as part of the plan, while people with Original Medicare often add a stand-alone vision plan to cover routine exams and eyewear. I’ll explain how each path handles vision care, the same way I do for dental, so you can compare them fairly before you decide.
What to Expect From Local Life Insurance Agents Like Me
Life insurance is one of the most personal decisions you’ll make, and it deserves a real conversation. Too little coverage can leave your family struggling, and too much means paying for protection you don’t need. I help you figure out an amount that makes sense based on your goals, whether that’s replacing income, paying off a mortgage, helping with a child’s education, or covering final expenses.
I’ll also explain the two main types of coverage in plain language. Term life insurance covers you for a set number of years, such as 10, 20, or 30, and is often a simple way to protect a family during the working years. Permanent life insurance, such as whole life, is designed to last your entire life as long as premiums are paid, and some permanent policies build cash value over time. Each type has trade-offs, and I’ll show you how they compare for your situation.
Health history is where an independent agent can make a real difference. Many people with diabetes, heart conditions, or other health concerns assume they can’t get coverage. Insurance companies look at health conditions differently, so I help you find carriers that may be a better fit for your situation. Approval and pricing are always decided by the insurance company, but knowing where to apply can save you time and frustration.
Talking With Long Term Care Insurance Agents Before You Need Care
Long-term care means help with everyday activities like bathing, dressing, or eating, whether that care happens at home, in an assisted living community, or in a nursing home. Medicare generally doesn’t pay for long-term custodial care, which surprises many families when they need it most. Long-term care insurance is designed to help with those costs.
I’ll walk you through the main options, including traditional long-term care policies and life insurance policies with a long-term care rider, which is an add-on that lets you use part of the death benefit for qualifying care. Because these policies consider your health when you apply, it often makes sense to look at them earlier in life, and I’ll help you weigh the premium against the protection so you can decide what fits your plans.
Supplemental Insurance That Works Alongside Your Health Plan
Supplemental insurance helps with costs your health plan leaves behind. Common options include accident insurance, critical illness insurance, and hospital indemnity insurance. Many of these policies pay a set cash benefit when a covered event happens, such as a hospital stay or a covered diagnosis, and that money can go toward deductibles, copays, or everyday bills while you recover. Benefits, limits, and exclusions vary by policy, and I’ll go through them with you in plain language.
Supplemental insurance works alongside your major medical coverage and does not replace it. It’s also different from a Medicare Supplement (Medigap) plan, which helps pay some of the costs Original Medicare doesn’t cover. If you have Medicare, I’ll make sure you understand which is which before you decide anything.
Is Adding Dental, Vision, or Life Coverage Right for You?
Adding coverage may make sense if your current health plan or Medicare coverage doesn’t include routine dental or vision care, if you’re retiring and leaving employer dental, vision, or life benefits behind, if you’ve recently married, had a child, or bought a home, or if you want to plan ahead for final expenses or long-term care. If your current coverage already meets your needs, I’ll tell you to keep it.
Plan premiums are generally the same whether you enroll through me or directly with the insurance company, and all quotes are estimates until you’re enrolled. When you’re ready, book a plan review and we’ll look at your options together.
Frequently Asked Questions
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 cost depends on the plan itself, and for life insurance, final approval and pricing are always decided by the insurance company. I give you a clear estimate for each option, and all quotes are estimates until you’re enrolled.
Where Are You Located, and How Can We Meet?
My office is at 6360 NW 5th Way, Suite 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. Because I’m licensed in 33 states, I can also help family members who live outside Florida.
Are You an Insurance Company?
No. Insurance companies issue the policies and pay the claims. I’m an independent licensed agent with HealthMarkets Insurance Agency, Inc., so working with me gives you access to plans from more than one company through a single local agent. I don’t offer every plan available, and I’ll always be clear about which plans are available through me.
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 providers against each plan, explains costs clearly, and stays available after you enroll. Ask how many carriers they work with and whether they’ll review your coverage every year. I’m happy to answer those questions before you decide.
Can You Check Whether My Dentist Is in the Network?
Yes. Before I recommend any dental plan, I check your dentist against each plan’s network, and I do the same for your eye doctor if you’re adding vision coverage. I’ll also explain waiting periods and annual maximums, so there are fewer surprises when you need care.
Can I Get Life Insurance if I Have a Health Condition?
Often, yes. Insurance companies evaluate health history differently, so it helps to work with someone who can compare several of them. I’ll help you find carriers that may be a better fit for your health history and tell you honestly what to expect, with the understanding that final approval and pricing are always decided by the insurance company.
What Does Long-Term Care Insurance Cover?
Long-term care insurance helps plan for care costs before you need care. I explain what it covers, how it compares with life insurance that includes a long-term care rider, and how either option fits with the rest of your coverage. Since Medicare generally doesn’t pay for long-term custodial care, this planning can give your family more options later on.
Is Supplemental Insurance the Same as a Medicare Supplement Plan?
No. Supplemental insurance, such as accident, critical illness, or hospital indemnity coverage, typically pays a set cash benefit when a covered event happens and works alongside your health plan. A Medicare Supplement (Medigap) plan works with Original Medicare to help pay costs like deductibles, copays, and coinsurance. Medicare Advantage plans are different from both: they are another way to get your Medicare Part A and Part B benefits, not a supplement. If you have Medicare, I’ll explain how each type fits with your coverage before you decide anything.
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:
- 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.
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.