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Divine Path Financial is an independent, licensed agency helping Florida seniors and retirees compare Medicare plans, protect their income, and pass on what they have built. Our guidance costs you nothing, and we represent A-rated national carriers rather than a single company.
Florida has one of the largest 65-plus populations in the country, and also one of the most aggressive insurance marketing environments — which is exactly why an independent review matters.
Florida's Medicare Advantage market is enormous and changes every year; plans that were excellent last year sometimes cut benefits or drop providers for the next one.
Florida has no state income tax, so every dollar of Social Security, pension, and annuity income stays in your pocket at the state level.
State tax and plan details are general information, not tax or legal advice, and can change. Product availability varies by state and carrier.
We work with families statewide, including Tampa, Orlando, Jacksonville, Miami, Fort Myers and The Villages — by phone, by video, or in person at our New Jersey offices.
Side-by-side plan comparisons from A-rated carriers, with no cost to you.
Small whole life policies that never expire and never increase in price.
Cover home care, assisted living, and nursing home costs Medicare won't pay.
Coverage you can access while living if you face a critical illness.
Guaranteed lifetime income with principal protection from market loss.
A written income plan covering Social Security timing and withdrawals.
Move old employer plans without triggering unnecessary taxes.
Beneficiary reviews, trusts, and probate-avoidance strategies.
Florida's Medicaid long-term care program uses a wait list managed through the local aging agency, so approval is not immediate even when you qualify financially. Florida homestead protection helps shelter the house, but it does nothing for the income and savings a nursing home will consume.
Medicare does not pay for ongoing custodial care in Florida or anywhere else. The choice is paying out of pocket, using long-term care insurance or a hybrid life policy with a care rider, adding a care benefit to an annuity, or spending down to Medicaid.
Compare long-term care optionsProgram names, waiver capacity, and Medicaid asset limits change and vary by county. This is general educational information, not tax, legal, or Medicaid eligibility advice. We are not affiliated with any government agency.
Resource locator
Start here if you are researching Florida Medicaid long-term care, a home and community based waiver, or want free Medicare counseling before you talk to anyone selling a policy. These links go straight to the official state and federal pages.
Medicaid
Income and asset rules, applications, and nursing home coverage.
Florida Medicaid (AHCA)Waiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
Statewide Medicaid Managed Care LTCSHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
Florida SHINEDivine Path Financial Services is not affiliated with, endorsed by, or connected to Medicare, Medicaid, or any government agency. Links are provided for convenience; program names, eligibility limits, and web addresses change.
Yes. Divine Path Financial is licensed in Florida and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for Florida residents.
Nothing. Our Medicare help is free to you — carriers compensate licensed brokers directly, and your premium is the same whether you enroll with us or on your own.
Florida's Medicare Advantage market is enormous and changes every year; plans that were excellent last year sometimes cut benefits or drop providers for the next one.
Yes. Most Florida clients work with us by phone or video, and everything can be signed electronically. Our New Jersey offices are available for anyone who prefers to meet in person.
Florida has no state income tax, so every dollar of Social Security, pension, and annuity income stays in your pocket at the state level.
Florida's Medicaid long-term care program uses a wait list managed through the local aging agency, so approval is not immediate even when you qualify financially. Florida homestead protection helps shelter the house, but it does nothing for the income and savings a nursing home will consume.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.