Chaperone Health Insurance Plus
Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans
Florida Blue Medicare Broker Near You in Fort Lauderdale, Florida
Florida Blue is Florida’s Blue Cross and Blue Shield company, and it offers Medicare Supplement (Medigap), Medicare Advantage, and standalone Part D plans to people across the state. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a Florida Blue employee, so I can compare Florida Blue’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 Medicare Advantage and Part D 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 a Licensed Medicare Agent Who Checks Florida Blue Plans for You
Florida Blue offers Medigap plans that let you see any doctor who accepts Medicare, Select Medigap plans that use a hospital network, and Medicare Advantage plans with their own networks. That’s a lot of different ways to access your care. 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 Florida Blue Medicare Plans
Here’s what I bring to a Florida Blue comparison.
I’m independent, so you see more than one company. I’m not tied to Florida Blue or any single insurance company. I compare Florida Blue’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 know South Florida networks. 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, especially with Select Medigap plans and Medicare Advantage plans that limit which hospitals you can use.
I check your doctors and prescriptions first. I confirm your doctors, hospitals, and preferred pharmacy against each plan, and I run your full medication list through every drug list we consider.
My help costs you nothing extra. Plan premiums are generally the same whether you enroll through me or directly with Florida Blue, so you get personal guidance at no additional charge.
I’m licensed and recognized. I’m licensed in 33 states (Florida License #W323530, NPN #17946070) and AHIP certified for the 2027 plan year. HealthMarkets has recognized me among its top 100 agents, out of more than 10,000 nationwide, every year from 2022 through 2026, and I’m a HealthMarkets Chairman’s Club member, reaching Gold status in June 2026.
I stay with you after you enroll. I review your coverage every year, help with claims and billing questions, and 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:
Florida Blue Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans for 2027
Here’s how Florida Blue’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.
Medicare Supplement (Medigap). Florida Blue offers a wide range of standardized Medicare Supplement plans, including popular options like Plans G and N, plus high-deductible versions of some plans. Medigap plans work alongside Original Medicare and help pay costs like deductibles, copays, and coinsurance. Plans C and F, including high-deductible Plan F, are available only to people who were eligible for Medicare before January 1, 2020. Florida Blue also offers Select versions of some Medigap plans, which have the same benefits as the standard plan of the same letter but require you to use network hospitals for non-emergency care in exchange for a different premium. 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, Florida Blue’s South Florida Medicare Advantage plans include HMO plans, which usually require you to use the plan’s network, and PPO plans, which let you see out-of-network providers at a higher cost. Most Florida Blue Medicare Advantage plans include Part D drug coverage.
Veterans plans. Florida Blue offers Medicare Advantage PPO plans for veterans that are designed to work alongside VA, CHAMPVA, or TRICARE coverage. These plans don’t include Part D drug coverage, and Florida Blue says its veterans plan includes a reduction in your monthly Part B premium. Veterans should check how a plan works with their VA benefits before enrolling, and I’ll help you do that.
Special Needs Plans. Special Needs Plans (SNPs) are a type of Medicare Advantage plan for specific groups. Florida Blue offers chronic condition plans for people living with cardiovascular disorders, chronic heart failure, or diabetes. For 2027, the only one I found in South Florida is in Palm Beach County. You can learn more on my Extra Help and Special Situations page.
Standalone Part D prescription drug plans. Florida Blue offers two standalone Part D plans for 2027. 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.
A Florida Company With Florida-Only Medicare Plans
Florida Blue is an independent licensee of the Blue Cross and Blue Shield Association, headquartered in Jacksonville, and it offers its Medicare Advantage plans only in Florida. That can matter if you spend part of the year out of state. Many Medicare Advantage plans limit routine care outside their service area, while standard Medigap plans work with any provider in the U.S. who accepts Medicare. If you travel or split your year between two homes, I’ll help you weigh how each type of plan would handle that.
Florida Blue also runs walk-in Florida Blue Centers, where members can get help with their plans. I’m an independent agent, not part of Florida Blue’s centers or staff, and I’ll be your personal point of contact for every plan I help you choose.
Is Working With Me Right for You?
Working with me can be a good fit if you’re comparing Florida Blue’s Medigap plans with other carriers’ plans, deciding between a standard and a Select Medigap plan, already have Florida Blue coverage and want to check it for 2027, or are a veteran wondering how a Medicare plan fits with your VA benefits. 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 Florida Blue Medicare Plans
Why Work With Medigap Brokers Near You for a Florida Blue Medicare Supplement Plan?
Medigap plans with the same letter have the same basic benefits, so the comparison comes down to price, how premiums are set, network rules for Select plans, and service. As an independent broker, I can compare Florida Blue’s Medigap plans with other carriers’ plans of the same letter, at no extra cost to you.
Is a Medicare Insurance Agency Near You the Same as a Florida Blue Center?
No. Florida Blue Centers are run by Florida Blue and help with Florida Blue’s own plans. I’m an independent licensed agent with HealthMarkets Insurance Agency, so I can compare Florida Blue’s plans with plans from the other carriers I represent, and I stay on as your agent after you enroll.
How Do I Know I’m Working With a Licensed Medicare Agent Near You?
Ask for the agent’s license number and check it with your state’s insurance department, which in Florida is the Department of Financial Services. My Florida license number is W323530, my NPN is 17946070, and I’m AHIP certified for the 2027 plan year.
What’s the Difference Between a Standard and a Select Florida Blue Medigap Plan?
A Select plan has the same benefits as the standard plan of the same letter, but requires you to use network hospitals for non-emergency care. In return, its premium is set differently. I’ll check whether your preferred hospitals are in the Select network before you decide.
Does Florida Blue Have Medicare Plans for Veterans?
Yes. Florida Blue offers Medicare Advantage PPO plans designed to work alongside VA, CHAMPVA, or TRICARE coverage. They don’t include Part D drug coverage, so I’ll make sure your prescriptions are covered through your VA benefits or other creditable drug coverage before you enroll.
When Can I Enroll in a Florida Blue Medicare Plan?
The Annual Enrollment Period for Medicare Advantage and Part D runs from October 15 to December 7 each year, with changes starting January 1. Medigap has its own six-month open enrollment period that starts the month you’re 65 or older and enrolled in Part B. During that window, you can generally buy a Medigap plan without answering health questions. 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.