Chaperone Health Insurance Plus
Medicare Advantage and Special Needs Plans
CarePlus Medicare Advisor Near You in Fort Lauderdale, Florida
CarePlus Health Plans offers Medicare Advantage plans only in Florida, and it serves Broward, Miami-Dade, and Palm Beach counties. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a CarePlus employee, so I can compare CarePlus’s 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 coverage runs from October 15 through December 7, 2026. 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 Licensed Medicare Insurance Agents Who Check CarePlus Plans for You
CarePlus’s South Florida plans are HMO and HMO-POS plans, which means you’ll usually choose a primary care doctor and use the plan’s network for most care. Before I recommend anything, I check your doctors, hospitals, prescriptions, and pharmacy against each plan, 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 CarePlus Medicare Plans
A Florida-only plan works best when your agent knows Florida’s health systems. Here’s what I bring.
I know South Florida. Most of my clients live right here in South Florida, and I know the local health systems well. That helps me spot network issues that are easy to miss when you’re comparing HMO plans.
I compare CarePlus with other carriers. I’m independent, not captive, so I’m not tied to CarePlus or any single insurance company. I compare CarePlus’s plans side by side with 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 check your doctors and prescriptions first. I confirm your doctors, hospitals, and preferred pharmacy are in each plan’s network, and I run your full medication list through every plan we consider.
My help costs you nothing extra. Plan premiums are generally the same whether you enroll through me or directly with CarePlus, so you get personal guidance at no additional charge.
I’m licensed and experienced. I’m licensed in 33 states (Florida License #W323530, NPN #17946070), AHIP certified for the 2027 plan year, and I’ve spent the last 8 of my 14 years in insurance focused on Medicare. I’ve helped more than 1,800 clients, based on my own client records.
I’ll meet you where you are. I offer home visits throughout Broward, Miami-Dade, and Palm Beach counties, and I reply within 24 to 48 hours. 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:
CarePlus Medicare Advantage and Special Needs Plans for 2027
Here’s how CarePlus’s 2027 lineup in Broward, Miami-Dade, and Palm Beach counties is organized, based on the plan information available in October 2026. Plans vary by county, so I’ll confirm exactly what’s available at your address.
Medicare Advantage HMO and HMO-POS plans. Medicare Advantage plans are a different way to receive your Part A and Part B benefits, not an add-on to Original Medicare. CarePlus offers HMO plans in all three counties, and HMO-POS plans in Broward and Palm Beach, which add some coverage for certain out-of-network services. Many CarePlus plans include prescription drug coverage, and CarePlus also offers plans that reduce your monthly Part B premium, including one without drug coverage for people who already have drug coverage elsewhere.
Dual-eligible Special Needs Plans. Special Needs Plans (SNPs) are a type of Medicare Advantage plan for specific groups. CarePlus offers HMO dual-eligible SNPs in all three counties for people who have both Medicare and Medicaid. You can learn more on my Extra Help and Special Situations page.
Chronic condition Special Needs Plans. CarePlus offers chronic condition SNPs for people living with cardiovascular disorders, chronic heart failure, or diabetes, and for people living with chronic lung disorders, such as asthma or COPD. Eligibility depends on a qualifying diagnosis, and I’ll help you understand whether you may qualify.
What CarePlus doesn’t offer. CarePlus focuses on Medicare Advantage, and its plan materials don’t include Medicare Supplement (Medigap) or standalone Part D plans. If Original Medicare with a Medigap plan and a Part D plan fits you better, I’ll compare options from the other carriers I represent.
CarePlus and Humana: How They're Related
CarePlus is owned by Humana, which acquired it in 2005, and CarePlus has served Florida Medicare beneficiaries for more than 25 years, according to CarePlus’s 2026 plan announcement. CarePlus and Humana offer separate plans with their own networks and benefits, so a CarePlus plan and a Humana plan can work quite differently even though they share a parent company. If you’re weighing the two, I’ll compare them side by side, along with plans from other carriers I represent.
Is Working With Me Right for You?
Working with me can be a good fit if you’re considering a CarePlus plan, already have one and want to check it for 2027, or want to see whether a Special Needs Plan for people with both Medicare and Medicaid, or with certain chronic conditions, could fit. I also help people turning 65 and people under 65 who qualify for Medicare because of a disability. 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 CarePlus Medicare Plans
What Do Medicare Advisors Near You Do for CarePlus Members?
I check your doctors, hospitals, and prescriptions against CarePlus’s plans and other carriers’ plans, estimate your full-year cost, and help with the application if you choose a plan. After you enroll, I review your coverage every year and help with claims and billing questions.
Is a Medicare Agency Near You the Same as CarePlus?
No. CarePlus is the insurance company that offers the plans. I’m an independent licensed agent with HealthMarkets Insurance Agency, so I can compare CarePlus’s plans with plans from the other carriers I represent. I don’t offer every plan available in your area, and I’ll always be clear about which plans are available through me.
How Do I Choose Among Licensed Medicare Insurance 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 which carriers they work with, whether they check your doctors and prescriptions before recommending a plan, and whether they’ll review your coverage every year. My Florida license number is W323530, and my NPN is 17946070.
Is CarePlus the Same as Humana?
CarePlus is owned by Humana, but it offers its own Medicare Advantage plans, with their own networks and benefits, only in Florida. I can compare CarePlus and Humana plans side by side.
Can I Use My CarePlus Plan Outside Florida?
CarePlus offers its plans only in Florida, and HMO plans generally cover routine care only within the plan’s network and service area. Emergency and urgent care are covered when you’re away. If you spend part of the year out of state, I’ll help you weigh whether a different type of plan fits better.
When Can I Join or Switch to a CarePlus Plan?
The Annual Enrollment Period runs from October 15 to December 7 each year, with changes starting January 1. You can also enroll during your Initial Enrollment Period around your 65th birthday. Special Enrollment Periods may apply after certain life events, and people who have both Medicare and Medicaid, or who get Extra Help, may have additional enrollment options for certain plans. I’ll help you confirm which windows apply to you.
- 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.