Chaperone Health Insurance Plus
Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans
UnitedHealthcare Medicare Agent Near You in Fort Lauderdale
UnitedHealthcare offers Medicare coverage in South Florida under several names you may recognize: AARP Medicare Supplement plans, AARP Medicare Advantage plans, UnitedHealthcare plans, and plans under the Preferred Care Partners name. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a UnitedHealthcare employee, so I can compare its 2027 plans with plans from the other carriers I represent, checked against your doctors, your prescriptions, and your full-year cost.
Annual Enrollment for 2027 Medicare Advantage and Part D coverage runs from October 15 through December 7, 2026, and Medicare Supplement plans have their own enrollment rules. When you’re ready, book a free plan review and we’ll look at your options together, by phone, on Zoom, at my office, or at your home in Broward, Miami-Dade, or Palm Beach County.
I’LL EVEN CALL YOUR DOCTOR
Get a Free Quote From a Medicare Insurance Broker Who Checks UnitedHealthcare Plans for You
The UnitedHealthcare plan that fits you depends a lot on how you use your doctors. A Medicare Supplement plan lets you see any doctor who accepts Medicare, while UnitedHealthcare’s Medicare Advantage plans each have their own network. Before I recommend anything, I check your doctors, hospitals, prescriptions, and pharmacy against each option, including South Florida health systems such as HCA Florida, Memorial Healthcare System, and Baptist Health. 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.
MORE THAN A FREE QUOTE
Why Choose Me for UnitedHealthcare and AARP Medicare Plans
A well-known name is a good place to start, but the details decide whether a plan works for you. Here’s how I help.
I compare UnitedHealthcare with other carriers. I’m independent, not captive, so I can set UnitedHealthcare’s plans next to plans from the other carriers I represent. Being independent doesn’t mean I offer every plan in your area, and I’ll always be clear about what’s available through me.
I explain Medigap pricing in plain language. Medicare Supplement plans with the same letter have the same basic benefits from one insurance company to the next, so the differences come down to price, how premiums are set, and service. I’ll walk you through those differences so you know what you’re paying for.
I check your doctors and prescriptions first. I confirm your doctors, hospitals, and preferred pharmacy against every plan we consider, and I run your full medication list through each Part D or Medicare Advantage drug list.
My help costs you nothing extra. Plan premiums are generally the same whether you enroll through me or directly with UnitedHealthcare, so you get personal guidance at no additional charge.
I have the experience to back it up. I’ve spent 14 years in insurance and the last 8 focused on Medicare, I’m AHIP certified for the 2027 plan year, and HealthMarkets has recognized me among its top 100 agents, out of more than 10,000 nationwide, every year from 2022 through 2026. I’m licensed in 33 states (Florida License #W323530, NPN #17946070).
You’ll always work with me directly. No hand-offs to an assistant or call center. I review your coverage every year, help with claims and billing questions, and reply within 24 to 48 hours. That’s a big part of why 85% to 87% of my clients stay with me year after year, based on my own client records.
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 plan for you depends on your doctors, prescriptions, and budget more than the name on the card. Keep reading for the plan details on this page, or compare your options first with my overview of your Medicare options and my guides to each carrier I work with:
UnitedHealthcare Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans for 2027
Here’s how UnitedHealthcare’s Medicare lineup in Broward, Miami-Dade, and Palm Beach counties is organized for 2027, based on the plan information available in October 2026. Plans vary by county, so I’ll confirm exactly what’s available at your address.
AARP Medicare Supplement (Medigap) plans. UnitedHealthcare sells Medicare Supplement plans under the AARP name. These plans are insured by UnitedHealthcare, and AARP membership is required to buy one. Medigap plans work alongside Original Medicare and help pay costs like deductibles, copays, and coinsurance, and you can see any doctor who accepts Medicare. They’re standardized by letter, and the lineup includes popular plans such as G and N. Plan F is available only to people who were eligible for Medicare before January 1, 2020. Medigap plans don’t include drug coverage, so most people pair one with a separate Part D plan.
Medicare Advantage (Part C). Medicare Advantage plans are a different way to receive your Part A and Part B benefits, not an add-on to Original Medicare. For 2027, UnitedHealthcare’s South Florida Medicare Advantage plans include HMO plans, some of them under the Preferred Care Partners name; HMO-POS plans in some areas, which add limited out-of-network coverage; and AARP-branded PPO plans, which let you see out-of-network providers at a higher cost. UnitedHealthcare also offers PPO plans without drug coverage that are designed with veterans in mind.
Special Needs Plans. Special Needs Plans (SNPs) are a type of Medicare Advantage plan for specific groups. For 2027, UnitedHealthcare’s SNPs in Miami-Dade include dual-eligible plans for people with both Medicare and Medicaid, chronic condition plans for people living with conditions such as diabetes, chronic heart failure, or cardiovascular disorders, and an institutional plan for people who live in a nursing home or similar facility, or who need that level of care at home. You can learn more on my Extra Help and Special Situations page.
Standalone Part D prescription drug plans. For 2027, UnitedHealthcare offers two AARP-branded standalone Part D plans in Florida. Each has its own drug list, pharmacy network, and cost sharing, and those can change every year, so I redo the drug review for my Medicare clients every Annual Enrollment Period.
What the AARP Name Means on a Medicare Plan
AARP doesn’t sell insurance. It licenses its name to UnitedHealthcare, which insures and runs AARP-branded Medicare plans and pays AARP a royalty for using its name. AARP membership is required for AARP Medicare Supplement plans, but not for AARP Medicare Advantage or Part D plans. AARP also doesn’t employ or endorse insurance agents, including me. I’m an independent agent, and I’ll explain exactly who insures each plan we look at.
Check Your Network Before You Renew
Medicare Advantage networks can change from one year to the next, and some South Florida health systems have changed their Medicare Advantage contracts for 2027. If you have a UnitedHealthcare Medicare Advantage plan, read your Annual Notice of Change and confirm your doctors and hospitals are still in network before December 7. Standard Medicare Supplement plans don’t use networks, so a Medigap plan isn’t affected by these contract changes in the same way. If your current plan is still the right fit, I’ll tell you to keep it.
Is Working With Me Right for You?
Working with me can be a good fit if you’re weighing an AARP Medicare Supplement plan against a UnitedHealthcare Medicare Advantage plan, already have UnitedHealthcare coverage and want a second look for 2027, or are turning 65 and need to time your Medigap enrollment. I also help people under 65 who qualify for Medicare because of a disability, and people who want to know whether they may qualify for a Special Needs Plan or Extra Help. 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.
Frequently Asked Questions About UnitedHealthcare Medicare Plans
What Does a Medicare Supplement Agent Near You Do That AARP or UnitedHealthcare Can’t?
UnitedHealthcare can tell you about its own plans. As an independent Medicare Supplement agent, I compare UnitedHealthcare’s Medigap plans with other carriers’ plans that have the same letter, explain how each company sets its premiums, and help you pair your Medigap plan with a Part D plan that covers your prescriptions. My help comes at no extra cost, and I stay on as your agent after you enroll.
How Do I Find Medicare Agents in My Area Who Work With UnitedHealthcare?
Look for a licensed agent who’s appointed with UnitedHealthcare and also works with other carriers, so you can compare. You can verify any agent’s license through your state’s insurance department, which in Florida is the Department of Financial Services. I’m based in Fort Lauderdale, offer home visits across Broward, Miami-Dade, and Palm Beach counties, and work with clients in the other states where I’m licensed by phone or Zoom.
Do Medicare Insurance Brokers Near You Charge a Fee?
I don’t charge a fee for my guidance. Plan premiums are generally the same whether you enroll through me or directly with the insurance company. Sales agents may be compensated based on a consumer’s enrollment in an insurance plan, and I’m happy to explain how that works.
Do I Need to Be an AARP Member to Get a UnitedHealthcare Medicare Plan?
Only for AARP Medicare Supplement plans. AARP membership isn’t required for AARP Medicare Advantage or Part D plans, or for UnitedHealthcare’s other Medicare plans.
When Is the Best Time to Buy a UnitedHealthcare Medicare Supplement Plan?
For most people, it’s during your Medigap open enrollment period: the six months that start the month you’re 65 or older and enrolled in Part B. During that window, you can generally buy any Medigap plan sold in your state without answering health questions. Outside it, you may need to qualify medically, so I’ll help you plan the timing.
Can I Switch From a UnitedHealthcare Medicare Advantage Plan to Original Medicare and a Medicare Supplement?
You can return to Original Medicare during certain enrollment periods, but buying a Medigap plan afterward may require answering health questions, and some people may not qualify. If you joined a Medicare Advantage plan when you were first eligible for Medicare, or you’re in your first Medicare Advantage plan after dropping a Medigap plan, you may have a trial right to switch back within the first 12 months without health questions. I’ll explain the trade-offs, including what you’d give up, before you decide.
- 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.