Your Florida Medicare Specialist
Hi, I’m Rina Stuart — a licensed Florida insurance agent with over 18 years of experience helping seniors turn 65 with confidence across Florida.
I built T65Navigator because I kept watching people get sold Medicare Advantage plans that sounded great on TV but left them stuck with surprise bills, restricted doctors, and coverage that didn’t hold up when they actually needed it.
I’m independent, which means I’m not tied to any single insurance company. I compare plans from top-rated Florida carriers and recommend the one that actually fits your life — not the one that pays me more. (They all pay me the same.)
Florida Specialists
We specialize exclusively in Florida Medigap. We know Florida carriers, Florida regulations, county-by-county pricing, and the Florida birthday rule.
Truly Independent
We're paid the same commission by every carrier we work with. Our only interest is finding you the best plan — not the most profitable one.
Personalized Service
Every client speaks with a licensed specialist, not a call center. We take time to understand your health situation and explain your options clearly.
All 67 Counties
From Escambia County in Pensacola to Miami-Dade County in Miami — we serve every corner of Florida with deep local market knowledge.
Our Commitment to You
Our consultation and enrollment services cost you nothing. Insurance carriers compensate us directly — just like when you call them — but you benefit from our expertise and multi-carrier comparison.
All T65Navigator agents hold active Florida insurance licenses and complete continuing education requirements. We operate in full compliance with Florida Department of Insurance regulations.
We educate and guide — we never pressure or use sales tactics. If you're not ready to decide, that's fine. We'll answer your questions and let you move at your own pace.
We're here after enrollment too. Rate increase? Coverage question? New health situation? Call us anytime. We're your long-term Medicare resource.