Trusted Medicare & Insurance Guidance in Naples, Florida
Heather Stone helps Naples retirees, families, and business owners cut through the noise of carrier marketing and pick coverage that fits their doctors, their prescriptions, and the life they actually live.
Insurance built around how Naples actually lives.
Naples is a city built on second chapters. Families arrive from the Midwest and Northeast for the climate, settle into communities like Pelican Bay, Park Shore, and Aqualane Shores, and almost immediately face one practical question: which Medicare or health plan actually works at NCH Baker, Physicians Regional, or with the specialists they came here to see. The wrong answer can cost a retiree thousands a year in surprise bills or a missed network.
Heather Stone has spent more than two decades sitting across kitchen tables in Collier County — listening before she quotes, mapping every prescription against every Part D formulary, and walking clients through what each plan actually does when they get sick. She is independent, contracted with every major carrier writing in the Naples market, and paid the same regardless of which plan you choose. That single fact changes the conversation.
Whether you are aging into Medicare, comparing ACA Marketplace plans for an early-retirement gap year, or finally putting a real life insurance and annuity strategy in place, the goal is the same: a plan that holds up the day you need it.
The hospitals, networks, and providers we plan around.
Naples is served primarily by NCH Healthcare System (NCH Baker Hospital downtown and NCH North Naples) and Physicians Regional Healthcare System, with Millennium Physician Group, Naples Heart & Vascular, and Florida Cancer Specialists handling much of the outpatient specialty care. Network access shifts every plan year — an Advantage plan that included NCH last January may have quietly dropped it this October. We verify network status with the hospital and the carrier before any client enrolls, not after.
- Old Naples
- Park Shore
- Pelican Bay
- Aqualane Shores
- Pine Ridge
- Vineyards
- Lely
- Berkshire Lakes
One advisor. Every line that matters.
Dental & Vision
Standalone dental, vision, and hearing plans for retirees whose Medicare or Marketplace coverage leaves gaps.
Special Needs Advocacy
Guidance for Naples families with a special-needs child or adult — Medicaid, SSI, SSDI, ABLE accounts, and special-needs trusts integrated with the family's broader insurance plan.
A local advocate, not a call center.
Most Naples retirees did not retire to spend an afternoon on hold with a call center. Heather is local, reachable on her cell, and reviews every client's plan annually during Medicare's Open Enrollment so the decision you made three years ago still fits the doctors and drugs you have today.
She is also a recognized advocate — credentialed in Chronic Health and Special Needs (CHSNC), CEBS, CHRS, featured by Kiplinger, Fox 4, and WINK News, and a long-standing member of the Health Care Reform Legislative Team. For Naples families navigating a chronic diagnosis, a special-needs adult child, or a parent transitioning to long-term care, that depth matters.
Built around the way Naples lives.
Naples skews older and more affluent than most of Florida, with a heavy concentration of seasonal residents, snowbirds, and retired professionals. That mix creates very specific insurance needs: PPO Advantage plans with strong national networks for clients who summer up north, supplement plans paired with high-tier Part D for clients who travel internationally, and tax-aware annuity and IRA-rollover strategies for the meaningful retirement assets common in this market.
Family-stage clients matter just as much. Young Naples families in Vineyards, Lely, and Berkshire Lakes face ACA Marketplace decisions every fall, and small business owners across the 41 corridor need group benefits that actually attract talent without breaking the budget.
Plainly answered.
Which Medicare plans are most popular among Naples retirees?
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It varies by health profile. Active, well-traveled retirees often choose Original Medicare paired with a Medigap Plan G and a standalone Part D, because it travels nationally and gives them open access to NCH and Physicians Regional specialists. Cost-sensitive retirees who use mostly local providers often prefer a $0-premium PPO Advantage plan with dental and Part D built in. The right answer depends on your prescriptions and how often you leave Collier County.
Will my Naples Medicare Advantage plan work when I visit family up north?
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If it's a PPO Advantage plan, yes — you can typically see any Medicare-participating provider nationally at the in-network or out-of-network benefit. HMO Advantage plans usually cover only emergencies away from home. We flag this clearly before you enroll.
I'm 62 and retiring in three years. What do I do for health insurance until Medicare?
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ACA Marketplace plans are usually the right bridge. For most Naples early retirees with significant assets but modest realized income, careful tax planning around Roth conversions and capital gains can keep you inside subsidy thresholds. We coordinate with your CPA.
Does Heather Stone help with annuities and retirement income, or only insurance?
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Both. Fixed and indexed annuities are a regulated insurance product, and they're often the right tool for converting a portion of retirement savings into guaranteed lifetime income. We don't sell securities, but we work alongside your advisor where it makes sense.
We have a special-needs adult son moving to Naples with us. Can you help?
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Yes — this is one of Heather's specialty areas. We coordinate Medicaid eligibility, SSI/SSDI, ABLE account planning, and life insurance funded into a special-needs trust so the supports your son depends on are not jeopardized.
We serve neighbors up and down the coast.
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