Chaperone Health Insurance Plus
What to Bring to a Medicare Consultation in Fort Lauderdale
Reviewed October 2026 · Covers the 2027 plan year
A Medicare consultation goes faster, and the answers are more accurate, when the right details are on the table from the start. 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 most of the work in a good plan review comes down to a few things: your doctors, your prescriptions, your pharmacy, and the coverage you have now.
This guide is the prep list I give my own clients, whether you’re new to Medicare or reviewing your plan during the Annual Enrollment Period, which runs October 15 to December 7, 2026, for coverage starting January 1, 2027. If you’ve been looking for Medicare help near you and want to walk in ready, start here. You don’t need every item to get started, and I’ll help you find anything that’s missing. 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 Specialist at Your Plan Review
People search for a Medicare specialist near me when they want it all checked once, carefully. When you bring your details, 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, not only the premium
If anything is unclear, I call your doctor’s office to confirm it, and if your current plan still fits, I’ll tell you to keep 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 Your Medicare Consultation
When you’re choosing who to sit down with, here’s what to look for, and what you can expect from me.
I Do the Legwork: You bring the list, and I do the checking, including calling your doctor’s office when a network listing isn’t clear.
Your Doctors, Hospitals, and Prescriptions Checked First: 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: Medicare has a lot of moving parts, and most people spend less than an hour choosing a plan. A consultation with me takes as long as you need. 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: The lowest premium isn’t always the lowest cost. I calculate your full-year cost for every plan, including copays, drug costs, and your out-of-pocket maximum, based on your health needs, 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, Medigap, and Part D each work differently. I lay out every path that fits your situation and explain what you’d gain and give up with each, so you decide with the full picture.
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.
Careful With Your Information: My background in Information Technology shapes how I handle the personal details you share during enrollment. I only ask for what’s needed, when it’s needed, and I never ask for passwords or one-time codes.
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. I review your coverage 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.
Your Medicare Consultation Checklist: Cards, Doctors, and Prescriptions
These are the items that shape your results the most. If you only have time to gather a few things, start with these.
Your Medicare Card: This is the red, white, and blue card from Medicare. It shows your Medicare Number, which is different from your Social Security number, and the dates your Part A and Part B coverage started. Those start dates tell me which enrollment windows apply to you. If you’re not on Medicare yet, bring any letter you’ve received from Social Security about your enrollment.
Your Current Plan Cards: Bring the card for any plan you have now, such as a Medicare Advantage plan, a Medicare Supplement (Medigap) plan, a Part D drug plan, or employer, retiree, or COBRA coverage. Each card names the plan and the insurance company, which helps me look up exactly what you have.
Your Doctors and Specialists: List each doctor’s full name, their specialty, and the practice or medical group they work with, plus the city of the office. Many South Florida doctors practice in more than one location or group, and the practice name is often what decides whether a doctor is in a plan’s network. Include specialists you see only once or twice a year, like a cardiologist or eye doctor, since those are the ones people tend to forget.
Hospitals You Prefer: Write down the hospitals and health systems you’d want to use, such as HCA Florida, Memorial Healthcare System, or Baptist Health locations, along with any surgery centers, labs, or imaging centers you go to regularly.
Your Full Medication List: For each prescription, write the drug name, the dose (for example, 20 mg), how often you take it, and how many you get with each fill (30-day or 90-day supply). Include inhalers, injections, insulin, and eye drops. The easiest way is to bring the bottles or take clear photos of the labels. Small differences, like the dose or whether it’s a brand-name or generic drug, can change how a plan covers it. My Medicare Part D page explains how drug lists and tiers work.
Your Pharmacy: Note the pharmacy you use and its location, and whether you use mail order. Many plans charge different amounts at different pharmacies, so I compare your costs at the one you already use.
Coverage Letters, Notices, and Your Priorities
The next items help me understand your timing, your current plan’s changes, and what matters most to you.
Your Plan’s Annual Notice of Change and Evidence of Coverage: If you’re already in a Medicare Advantage or Part D plan, your plan sends an Annual Notice of Change (ANOC) each fall, usually by September 30, listing what’s changing for the next year. The Evidence of Coverage is the longer booklet that explains your benefits in detail. Bring either one if you have it, or a non-renewal letter if your plan is leaving your area. If you can’t find them, I can usually look up the details with your plan card.
Employer or Retiree Coverage Letters: If you or your spouse have coverage through a current job, a former employer, or a union, bring any letters that describe it, including when it ends. If you’re leaving a job after 65, this paperwork helps me plan your Part B timing so you avoid a gap or a late-enrollment penalty. My guide to the CMS-L564 and CMS-40B forms explains the forms used to sign up for Part B when employer coverage ends.
Creditable Coverage Notices: Employers and other plans that offer drug coverage send a notice each year, before October 15, telling you whether that coverage is “creditable,” meaning it’s expected to pay at least as much as standard Medicare drug coverage. Keep these notices. They’re your proof if you ever need to show you had drug coverage and shouldn’t owe a Part D late enrollment penalty.
Income Information, Only if You Want to Check Extra Help or Medicaid: Most people don’t need to bring any financial information. If you’d like to find out whether you may qualify for Extra Help with drug costs, a Medicare Savings Program, or Medicaid, a general idea of your monthly income and your savings or other resources helps me point you in the right direction. If that’s not something you want to explore, you can skip it entirely.
Your Questions and Priorities: Jot down what matters most to you. Do you travel often or spend part of the year outside Florida? Do you want dental, vision, or hearing coverage? Is a predictable monthly budget more important than the lowest premium? Is keeping one specific doctor a must? Your answers help me narrow the options quickly, and writing your questions down means none get forgotten.
Who You Want in the Meeting: Many clients bring a spouse, an adult child, or a caregiver, and I’m glad to include them. If someone helps you manage your health care or finances, let me know when you book. If a family member holds a power of attorney and will be making decisions for you, bring a copy of that document too.
What You Never Need to Share
Medicare scams are common, and I want my clients to feel safe. Here’s what I will never ask for, during a consultation or at any other time.
Passwords and Codes: I never need your Medicare.gov, Login.gov, Social Security, email, or bank passwords, your PINs, or the one-time codes that get texted to your phone. If anyone asks you for one of those codes, hang up.
Your Medicare Number, Only When It’s Needed: I look at your Medicare card during the review to confirm your Part A and Part B start dates. The full number is only needed if you choose to enroll, because the application asks for it along with basics like your date of birth and address. Never give your Medicare Number or Social Security number to someone who contacted you out of the blue.
A Word About “Medicare” Calls: Medicare says it will never call you to sell you anything or visit you at your home. If someone calls claiming to be from Medicare and asks for your Medicare Number or personal details, don’t share them. Hang up and call 1-800-MEDICARE (TTY users should call 1-877-486-2048), 24 hours a day, 7 days a week, to check. I only meet with people who’ve asked to meet with me, and I only visit a home when I’ve been invited.
What Happens During a Medicare Plan Review
Every Medicare plan review I do follows the same five steps, whether we meet in person or by phone.
We Talk About You: We start with your health, your budget, your doctors, and what you want from your coverage, by phone, on Zoom, or face to face.
I Check the Details: I check your doctors, hospitals, prescriptions, and pharmacy against each plan we consider. If something isn’t clear in a plan’s directory, I call your doctor’s office.
We Compare Real Costs: I give you a full-year cost estimate for each option, explained in plain language. The premium is only one part of what you pay, so I include deductibles, copays, drug costs, and the out-of-pocket maximum.
You Decide, I Enroll You: There’s no pressure. You can take the comparison home and think it over. If you choose a plan, I complete the application with you and follow it through. If your current plan is still the best fit, I’ll tell you, and if you’re thinking about switching, I’ll explain what you’d give up as well as what you’d gain.
We Review Every Year: Plans, networks, and drug lists can change each year. I review your coverage every Annual Enrollment Period and help with claims and billing questions in between. My 2027 Medicare Open Enrollment Checklist for Florida walks through what to look at each fall, and if you’re new to Medicare, start with my Turning 65 Medicare Checklist.
The Scope of Appointment Form, Explained
Before an agent can meet with you to discuss Medicare Advantage or Part D plans, Medicare requires a short record called a Scope of Appointment. It lists the types of plans you want to talk about, the date of the appointment, and your contact information. Its purpose is to protect you: it keeps the conversation limited to what you asked about, so no one can use a meeting about one topic to sell you something else.
For 2027 marketing, which began October 1, 2026, Medicare removed the old rule that made you wait 48 hours between completing the form and holding the appointment. The form still has to be agreed to and documented before we discuss specific plans, but that can now happen at the start of the same appointment. For a phone or Zoom meeting, it can be recorded on the call or completed electronically. For an in-person meeting, it’s a written form, and an electronic signature counts.
Signing a Scope of Appointment doesn’t commit you to anything. It isn’t an application, and you’re never obligated to enroll. It covers only the plan types you checked, and it’s generally good for 12 months. If you want to talk about a plan type that isn’t on it, we simply complete a new one. I’ll walk you through it before we begin, and you can ask me any questions about it.
How We Can Meet and How Long It Takes
You can meet with me in whatever way is easiest for you. A Medicare consultation near me is what many local clients search for, and for South Florida that can mean:
At My Office: We can sit down together at my office in Fort Lauderdale, at 6360 NW 5th Way Ste 101, Fort Lauderdale, FL 33309.
At Your Home: I make home visits anywhere in Broward, Miami-Dade, and Palm Beach counties, which is often easiest when family wants to join or the medication bottles are all in one place.
By Phone or Zoom: Many clients prefer to meet from home without the drive. You can show me your cards and labels on Zoom, or send photos ahead of time. Clients in the other 32 states where I’m licensed work with me this way.
Your free review starts with a 15-minute call. We’ll talk about your situation, I’ll let you know what to have ready, and we’ll set up the full review. The review itself takes as long as you need. Most of the time goes into checking your doctors and prescriptions, so the more of this checklist you bring, the faster we get to your answers.
Browse the Knowledge Base
Enrollment and Timing
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 Consultations
Is a Medicare Consultation Free?
Yes. My Medicare consultation and plan review are free, and there’s no obligation to enroll. My help comes at no extra cost to you, because insurers pay my commission, and plan premiums are generally the same whether you enroll through me or directly with the insurance company. What a plan costs you over the year depends on more than its premium: the deductible, your copays or coinsurance, your drug costs, and the out-of-pocket maximum all matter, which is why I give you a full-year cost estimate based on your own doctors and prescriptions. If your income and resources are limited, you may qualify for Extra Help, a Medicare Savings Program, or Medicaid, and I’ll help you find out. All quotes are estimates and are not final until you’re enrolled.
What if I Don’t Have Everything on the List?
That’s fine. Bring what you have. Your Medicare card, your medication list, and your doctors’ names cover most of what I need, and I can often look up plan details from your card. We can fill in anything else after the first call.
Can I Get Medicare Help if I’m Not 65 Yet?
Yes. Many people start planning a few months before they turn 65, and people under 65 may qualify for Medicare because of a disability or certain medical conditions. If you’re still working or have employer coverage, bring the details so I can help you plan your timing.
Can My Son, Daughter, or Spouse Join the Medicare Plan Review?
Yes. Family members are welcome, in person, at home, or on a Zoom or conference call. With your permission, I’m also glad to answer their follow-up questions after the meeting.
Why Do I Have to Fill Out a Scope of Appointment?
Medicare requires it before an agent discusses Medicare Advantage or Part D plans with you. It records which plan types you want to talk about, so the meeting stays on those topics. It isn’t an application and doesn’t commit you to enrolling.
How Do I Know a Medicare Agent Is Legitimate?
A licensed agent will give you their name and license number and won’t ask for passwords or one-time codes. You can verify my Florida license (#W323530) through the Florida Department of Financial Services. Be careful with anyone who calls you without being asked, says they’re from Medicare, or pressures you to decide on the spot.
Do You Offer Every Medicare 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.
Where Can I Learn More Before My Appointment?
My Medicare Knowledge Center has plain-language guides on enrollment timing, plan comparisons, and costs, so you can read up at your own pace before we meet.
Book a Free Plan Review
Ready for your free Medicare consultation? Pick a time for a free 15-minute call by phone or video. Have your Medicare card and medication list nearby, and I’ll tell you what else to bring. 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.