Chaperone Health Insurance Plus
Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans
Humana Medicare Agent Near You in Fort Lauderdale, Florida
Humana offers all three main kinds of Medicare coverage in South Florida: Medicare Advantage, Medicare Supplement (Medigap), and standalone Part D prescription drug plans. I’m Roxroy Ashley, an independent licensed agent with HealthMarkets based in Fort Lauderdale. I’m not a Humana employee, which means I can compare Humana’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 Medicare Broker Who Checks Humana Plans for You
Humana’s plans in South Florida come in several structures, and each one handles your doctors differently. HMO plans usually require you to use the plan’s network, PPO plans let you see out-of-network providers at a higher cost, and Medicare Supplement plans let you see any doctor who accepts Medicare. Before I recommend anything, I check your doctors, hospitals, prescriptions, and pharmacy against each Humana plan we consider, 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 as Your Medicare Insurance Agent for Humana Plans
When you’re comparing Humana plans, the agent you work with shapes what you see. Here’s what I hold myself to.
Humana is one option, not the only one. I’m independent, so I’m not tied to Humana or any single insurance company. I compare Humana’s plans side by side with plans from the other carriers I represent, so you can see how each one fits your doctors, drugs, and budget. 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. Humana’s Medicare Advantage and Part D plans each have their own drug lists, pharmacy networks, and provider networks, and those can change from year to year. I run your full medication list and preferred pharmacy through every plan we consider, and I confirm your doctors and hospitals are in each network before we narrow anything down.
I show you your true yearly cost. For each option, I give you a full-year estimate that includes the premium, copays, expected drug costs, and your out-of-pocket maximum, based on how you actually use your care.
My help costs you nothing extra. Plan premiums are generally the same whether you enroll through me or directly with Humana, so you get personal guidance and ongoing support at no additional charge.
I’m licensed, certified, and recognized. I’m licensed in 33 states (Florida License #W323530, NPN #17946070), AHIP certified for the 2027 plan year, and I complete annual Medicare training and certification. HealthMarkets has recognized me among its top 100 agents, out of more than 10,000 nationwide, every year from 2022 through 2026, and I’ve helped more than 1,800 clients, based on my own client records.
I stay with you after you enroll. I review your coverage every year, help with claims and billing questions, and I’m available whenever your situation changes. 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:
Humana Medicare Advantage, Medicare Supplement, Part D, and Special Needs Plans for 2027
Here’s how Humana’s 2027 lineup in Broward, Miami-Dade, and Palm Beach counties is organized, based on the 2027 plan information available in October 2026. Plans and service areas vary by county, so I’ll confirm exactly what’s available at your address.
Medicare Advantage (Part C). Medicare Advantage plans are offered by private insurance companies approved by Medicare. They’re a different way to receive your Part A and Part B benefits, not an add-on to Original Medicare. In South Florida, Humana’s 2027 Medicare Advantage plans include HMO plans, which usually require you to use the plan’s network and choose a primary care doctor; local PPO plans, which let you see out-of-network providers at a higher cost; and a regional PPO that covers the whole state. Many Humana plans include prescription drug coverage, and some don’t, which can make sense for people who already have drug coverage elsewhere, such as through the VA. Humana also offers plans that reduce your monthly Part B premium, and a line of plans designed with veterans in mind that’s open to anyone eligible for Medicare.
Special Needs Plans. Special Needs Plans (SNPs) are a type of Medicare Advantage plan designed for specific groups. For 2027, Humana’s South Florida SNPs include dual-eligible plans for people who have both Medicare and Medicaid, offered as HMO and PPO plans, and chronic condition HMO plans for people living with chronic lung disorders, or with cardiovascular disorders, chronic heart failure, or diabetes. Eligibility depends on your situation, and I’ll help you understand whether you may qualify. You can learn more on my Extra Help and Special Situations page.
Medicare Supplement (Medigap). Humana sells Medicare Supplement plans in Florida. Medigap plans work alongside Original Medicare and help pay some of the costs it leaves behind, like deductibles, copays, and coinsurance. They’re standardized by letter, so a Humana Plan G has the same basic benefits as a Plan G from another insurance company, while premiums and service can differ. Medigap plans don’t include drug coverage, so most people pair one with a separate Part D plan, and a Medigap plan can’t be used to pay costs in a Medicare Advantage plan.
Standalone Part D prescription drug plans. For 2027, Humana offers three standalone Part D plans in Florida: one basic plan and two enhanced plans. Each has its own list of covered drugs, pharmacy network, and cost sharing, which is why I redo the drug review for my Medicare clients every Annual Enrollment Period.
What Humana's 2027 Changes Mean for You
Humana announced that it’s exiting some Medicare Advantage plans and markets for 2027, affecting about 600,000 members nationwide, according to Humana’s July 2026 earnings call as reported by Becker’s Payer Issues. Humana hasn’t published a list of affected Florida counties, so the best way to know where you stand is your own mail. Members of plans that won’t renew were sent notices in early October.
If your Humana Medicare Advantage plan isn’t renewing, you’ll generally have a Special Enrollment Period, in addition to Annual Enrollment, to choose new coverage. If your plan is renewing, it can still change its benefits, drug list, and network for 2027, so it’s worth reading your Annual Notice of Change. If your Medicare Advantage plan is ending, you may also have a special right to buy certain Medigap plans without answering health questions, within a limited window. Either way, I’ll review your current plan against your doctors, prescriptions, and expected costs. If it’s 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 considering a Humana plan, already have one and want a second look for 2027, or received a notice that your plan is changing. I also help people turning 65 or retiring from employer coverage, people under 65 who qualify for Medicare because of a disability, and households where one spouse is on Medicare and the other needs individual coverage. 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. If you live in another state where I’m licensed, we can work together by phone or Zoom.
Frequently Asked Questions About Humana Medicare Plans
Do Medicare Agents Near You Who Offer Humana Plans Work for Humana?
Some do. Captive agents work for one insurance company and offer only its plans. I’m an independent licensed agent with HealthMarkets Insurance Agency, not a Humana employee, so I can compare Humana’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.
What’s the Difference Between a Medicare Broker Near You and Calling Humana Directly?
If you call Humana, you’ll hear about Humana’s plans. As an independent Medicare broker, I compare Humana’s plans with other carriers’ plans on your doctors, prescriptions, and full-year cost, and I stay on as your agent after you enroll. Plan premiums are generally the same either way, so my help comes at no extra cost.
Can Medicare Insurance Agents Near You Help Me Choose Between Humana Medicare Advantage and a Medicare Supplement?
Yes, and it’s one of the most important choices you’ll make. Medicare Advantage plans usually use networks and have an out-of-pocket maximum, while a Medicare Supplement plan works with Original Medicare and lets you see any doctor who accepts Medicare, paired with a separate Part D plan. Outside your Medigap open enrollment period, you may need to answer health questions to buy a Medigap plan later, so I’ll walk you through both paths before you decide.
What Should I Do If My Humana Plan Isn’t Renewing for 2027?
Read your notice carefully and reach out before your coverage ends. People whose Medicare Advantage plan isn’t renewing generally get a Special Enrollment Period to choose new coverage, and they can also make changes during Annual Enrollment, October 15 through December 7, 2026. I’ll help you compare your options, including other Humana plans, if they fit.
Can I Keep My Doctor With a Humana Plan?
It depends on the plan. HMO plans usually require you to use the plan’s network, PPO plans cover out-of-network care at a higher cost, and Medicare Supplement plans let you see any doctor who accepts Medicare. Networks can change each year, so I check your doctors and hospitals against every plan we consider.
When Can I Enroll in or Change a Humana Medicare Plan?
Your Initial Enrollment Period is usually a seven-month window around your 65th birthday. The Annual Enrollment Period 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, and Special Enrollment Periods may apply after certain life events, like moving or losing other coverage. I’ll help you confirm which ones 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.