Chaperone Health Insurance Plus
MEDICARE SUPPLEMENT (MEDIGAP) & PART D
Medicare Supplement Agent Near You in Fort Lauderdale, Florida
A Medicare Supplement plan, better known as Medigap, works alongside Original Medicare and helps pay the deductibles, copays, and coinsurance that Parts A and B leave behind. 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 I compare Medigap plans from the carriers I represent on the two things that actually differ between them: the premium and the company behind it. Then I pair the plan with a Part D prescription drug plan checked against your medications.
If you’ve been searching for a Medicare Supplement agent near me, Medicare Supplement brokers near me, or Medigap brokers near me, or you started with Medicare agents near me and a Medicare broker near me and landed here, this page explains how Medigap works, what Plan G and Plan N cover, when you can enroll without health questions, and when underwriting applies. Annual Enrollment for 2027 Part D coverage runs through December 7, 2026, and your Medigap timing depends on your own enrollment dates. 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 Supplement Broker Who Compares Medigap Plans for You
A Plan G from one insurer has the same benefits as a Plan G from another, so before I recommend anything, I check:
- The same plan letter across the carriers I represent, including how each one has raised rates over time
- Your prescriptions and pharmacy against each Part D plan we’d pair with your Medigap plan
- Your full-year cost, with the Medigap and Part D premiums together
If anything is unclear, I call your doctor’s office to confirm 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 Medicare Supplement Plans
When you’re comparing Medicare Supplement agents, here’s what to look for, and what you can expect from me.
Your Doctors, Hospitals, and Prescriptions Checked First: A Medigap plan works with any doctor who accepts Medicare, but your drug coverage doesn’t. Before I recommend anything, I confirm whether your doctors accept Medicare assignment and check every prescription and your pharmacy against each Part D plan we pair with your Medigap plan. If something is unclear, I’ll call your doctor’s office myself.
Every Question Answered, at Your Pace: Plan letters, enrollment windows, and underwriting are confusing, and most people spend less than an hour choosing a plan. 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 same lettered plan has the same benefits from every insurer, so the differences are price and how each company raises rates over time. I compare the carriers I represent for your plan letter and calculate your full-year cost, including your Part D plan, 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: A Medigap plan isn’t the right fit for everyone. I lay it out next to Medicare Advantage and explain what you’d gain and give up with each, so you choose Medigap because it fits, not because it was the only path presented.
I Handle the Paperwork and the Timing: Your six-month Medigap Open Enrollment Period is the one time you can get any plan without health questions. I help you time it around your Part B start date, confirm any guaranteed issue right you may have, complete the application with you, and follow it through to approval.
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. Medigap benefits don’t change from year to year, but premiums and Part D plans do, so 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.
Medicare Supplement and Part D Plans for 2027
Here’s how Medicare Supplement coverage works for people in Broward, Miami-Dade, and Palm Beach counties, and across the other states where I’m licensed, for 2027. The sections below follow the order I use with clients: how Medigap fits with Original Medicare, what Plan G and Plan N cover, the other lettered plans worth knowing, when you can enroll without health questions, what underwriting means if you apply later, and how a Part D plan completes the picture.
How Medigap Works With Original Medicare (Part A and Part B)
Original Medicare is Part A (hospital insurance) and Part B (medical insurance). It pays a large share of your covered care, but it leaves you with deductibles, 20% coinsurance on most Part B services, and no yearly cap on what you can pay out of pocket. A Medigap plan is sold by a private insurance company to fill those gaps. When you get care, Medicare pays its share first, and your Medigap plan pays some or all of what’s left, depending on the lettered plan you chose.
Because Medigap works with Original Medicare, you keep Medicare’s nationwide access: any doctor or hospital that accepts Medicare, with no network and no referrals. Medigap plans don’t include prescription drug coverage, so most people pair them with a separate Part D plan. A Medigap plan also can’t be used to pay costs in a Medicare Advantage plan, and you can’t have both at once, which is why I keep the two paths clearly separate when we compare them.
Plan G: Full Coverage After the Part B Deductible
Plan G is the most complete Medigap plan available to people who became eligible for Medicare on or after January 1, 2020. Once you’ve paid the Part B deductible for the year, Plan G pays the rest of your Medicare-approved costs: the Part A deductible and hospital coinsurance, the 20% Part B coinsurance, Part B excess charges, skilled nursing facility coinsurance, blood, and foreign travel emergency care up to the plan’s limits. After that one deductible, your share of covered care is predictable for the rest of the year.
Because the benefits are standardized, choosing a Plan G is mostly about choosing the company: its premium now, how it has handled premium increases, and whether it offers any extras. I compare Plan G premiums across the carriers I represent and show you the differences side by side. I don’t publish premium amounts on this page, because they depend on your age, ZIP code, tobacco use, and the carrier, and all quotes are estimates until you’re enrolled.
Plan N: A Lower-Premium Option With Small Copays
Plan N covers the same core benefits as Plan G with three differences. You pay a small copay for some office visits and for emergency room visits that don’t end in admission, you’re responsible for Part B excess charges if a provider charges more than the Medicare-approved amount, and in exchange the monthly premium is generally lower than Plan G’s. Many people who see the doctor a few times a year and use providers who accept Medicare assignment come out ahead with Plan N.
The right choice between Plan G and Plan N depends on how often you expect to see a doctor and how much premium certainty you want. I estimate your full-year cost under each, including a Part D plan, so the comparison reflects your actual use of care instead of a rule of thumb.
High-Deductible Plan G and Plan F for People Eligible Before 2020
Two other lettered plans come up often. High-deductible Plan G offers the same benefits as Plan G after you meet a yearly deductible set by Medicare, in exchange for a lower monthly premium. It can suit people who are comfortable covering routine costs themselves and want protection against a bad year. Plan F, and its high-deductible version, cover the Part B deductible too, but they’re only available to people who became eligible for Medicare before January 1, 2020. If you’re in that group and already have Plan F, I’ll help you weigh whether keeping it or moving to Plan G makes sense, since that move may require underwriting.
Other lettered plans (A, B, C, D, K, L, and M) exist and are available from some carriers. Most of my clients land on G or N, but I’ll show you any plan that fits your situation.
Your Medigap Open Enrollment Period and Guaranteed Issue Rights
Your Medigap Open Enrollment Period is a six-month window that starts the first month you’re 65 or older and enrolled in Part B. During that window, you can buy any Medigap plan sold in Florida without answering health questions, and the company can’t charge you more or delay coverage because of your health. It happens once, so if you’re turning 65 or enrolling in Part B after leaving employer coverage, this is the window I help you plan around. You can read more about timing your first enrollment on my Turning 65 or Retiring page.
Outside that window, federal law gives you guaranteed issue rights in certain situations, such as when your Medicare Advantage plan leaves your area, when you move out of an Advantage plan’s service area, when employer or union coverage that paid after Medicare ends, or when you joined an Advantage plan at 65 and switch back to Original Medicare within the first year. Medicare isn’t only for people 65 and older, and under Florida law, people under 65 who have Medicare because of a disability get their own six-month window starting when they enroll in Part B, then another window at 65. I’ll help you confirm which rights apply to you and what the deadlines are.
Medical Underwriting: Switching Medigap Plans After Open Enrollment
If you apply for a Medigap plan outside your Open Enrollment Period and without a guaranteed issue right, the insurance company can ask health questions and may decline your application, charge a higher premium, or apply a waiting period for pre-existing conditions. That’s called medical underwriting, and it’s the main reason the Medigap decision is hard to undo later. It’s also why I never rush a client into or out of Medigap.
Underwriting isn’t a dead end. Some people in good health switch carriers for a lower premium on the same lettered plan, and some carriers underwrite more flexibly than others. If you’re thinking about moving from an Advantage plan to Medigap, or from one Medigap company to another, I’ll explain what the application involves and compare your options before you give up the coverage you have.
Pairing Medigap With a Part D Prescription Drug Plan
Medigap plans don’t cover prescription drugs, so most people pair one with a standalone Part D plan. Each Part D plan has its own drug list, pharmacy network, tiers, and cost sharing, and those can change every year, which is why I redo the drug review for my Medicare clients every Annual Enrollment Period. Part D also has a yearly cap on what you pay out of pocket for covered drugs, which I factor into your full-year estimate.
If you may qualify for Extra Help with Part D costs, I’ll make sure you know about it; you can read more on my Extra Help & Special Situations page. Enrolling late in Part D without other creditable drug coverage can bring a penalty that lasts as long as you have Part D, so I confirm your drug coverage at the same time we set up your Medigap plan.
Is a Medicare Supplement Plan Right for You?
A Medigap plan can be a good fit if you want to see any doctor or hospital that accepts Medicare without a network or referrals, you travel or split time between states, you’d rather pay a predictable monthly premium than copays through the year, or you want coverage that doesn’t change its benefits every January. It may fit less well if you’d prefer a low or $0 plan premium and bundled extras and are comfortable with a network, in which case a Medicare Advantage plan may suit you better. I lay out both paths so you decide with the full picture, and if what you have is still the right fit, I’ll tell you to keep it.
Medicare advisors near me come in many forms; with me, you’ll always work with me directly, with no hand-offs to an assistant or call center. 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.
MORE WAYS I CAN HELP
Compare Medicare Plans From the Carriers I Work With
The right plan depends on your doctors, prescriptions, and budget more than the name on the card. Start with my overview of your Medicare options, compare the other path on my Medicare Advantage plans page, and see my guides to each Medicare carrier I work with on the overview page. Turning 65 or leaving employer coverage? My Turning 65 or Retiring page explains how to time your Medigap and Part D enrollment around your Part B start date.
Frequently Asked Questions About Medicare Supplement Plans
What Does a Medicare Supplement Agent Near You Do?
I explain how Medigap works with Original Medicare, confirm which enrollment window or guaranteed issue right applies to you, compare the lettered plans you’re eligible for across the carriers I represent, pair the plan with a Part D plan checked against your medications, and help with the application. Medicare Supplement brokers near me and Medigap brokers near me should also stay on after you enroll; I review your coverage every year and help with claims and billing in between.
How Do I Choose Among Medicare Agents Near You for a Medigap Plan?
Confirm the agent is licensed through your state’s insurance department, which in Florida is the Department of Financial Services. Then ask whether they’re independent or captive, how many carriers they compare for the same lettered plan, whether they’ll explain Medicare Advantage as well, and whether they’ll help with Part D. Whether you’re looking for the best Medicare agent near me, a Medicare broker near me, Medicare advisors near me, or an independent Medicare broker near me, those questions tell you who will do the comparison work. My Florida license number is W323530, and my NPN is 17946070.
What Is the Difference Between Plan G and Plan N?
Both cover the main gaps in Original Medicare after the Part B deductible. Plan N adds small copays for some office and emergency room visits and leaves you responsible for Part B excess charges, in exchange for a generally lower premium. Plan G covers those items in full. The better choice depends on how often you see a doctor and how much premium certainty you want, which I estimate for you.
Can I Still Get Plan F?
Only if you became eligible for Medicare before January 1, 2020. If you’re in that group and already have Plan F, you can keep it. If you’re weighing a move to Plan G, I’ll explain the trade-offs and whether underwriting would apply.
When Can I Buy a Medigap Plan Without Health Questions?
During your six-month Medigap Open Enrollment Period, which starts the first month you’re 65 or older and enrolled in Part B, and in certain guaranteed issue situations, such as when an Advantage plan leaves your area or employer coverage ends. In Florida, people under 65 with Medicare because of a disability get their own six-month window when they enroll in Part B. Outside those windows, carriers may apply medical underwriting. I’ll confirm which applies to you.
Do Medigap Plans Cover Prescription Drugs?
No. Medigap plans sold today don’t include drug coverage, so most people pair one with a standalone Part D plan. I compare Part D plans against your medications and pharmacy and include the result in your full-year estimate. Enrolling late in Part D without other creditable coverage can bring a lasting penalty, so I set both up together.
Can I Use a Medigap Plan With a Medicare Advantage Plan?
No. A Medigap plan works only with Original Medicare, and it can’t be used to pay costs in a Medicare Advantage plan. You can’t hold both at once. If you’re weighing the two paths, I’ll compare them side by side.
Should I Talk to a Medicare Advantage Agent Near You Instead?
If you’d prefer a low or $0 plan premium, bundled extras such as dental or vision, and you’re comfortable with a network, a Medicare Advantage plan may fit better than Medigap. I help with both paths, so you don’t need two agents; see my Medicare Advantage plans page for how those plans work, then let’s compare the two side by side.
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.
Book a Free Plan Review
Anchor ID on the live page: Free-Plan-Review. All booking links on this page point here.
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.