Mon–Fri, 9am–6pm ET · A real person picks up
Divine Path Financial is an independent, licensed agency helping Georgia 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.
Georgia retirees frequently balance supporting adult children with protecting their own income, so we build plans that do not require choosing one over the other.
Metro Atlanta offers broad Medicare Advantage choice, while South Georgia counties often make a Supplement the safer long-term fit.
Georgia offers a substantial retirement income exclusion beginning at age 62 and does not tax Social Security, which shapes Roth and annuity timing.
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 Atlanta, Savannah, Augusta, Columbus and Macon — 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.
Georgia Medicaid covers nursing facility care after a spend-down to the state's asset limit, and its home-based waivers have limited slots. Care costs in metro Atlanta run meaningfully higher than in south Georgia, which changes how much coverage a plan actually needs to buy.
Medicare does not pay for ongoing custodial care in Georgia 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 Georgia 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.
Georgia Medicaid (DCH)Waiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
Elderly & Disabled Waiver ProgramSHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
GeorgiaCares SHIPDivine 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 Georgia and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for Georgia 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.
Metro Atlanta offers broad Medicare Advantage choice, while South Georgia counties often make a Supplement the safer long-term fit.
Yes. Most Georgia 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.
Georgia offers a substantial retirement income exclusion beginning at age 62 and does not tax Social Security, which shapes Roth and annuity timing.
Georgia Medicaid covers nursing facility care after a spend-down to the state's asset limit, and its home-based waivers have limited slots. Care costs in metro Atlanta run meaningfully higher than in south Georgia, which changes how much coverage a plan actually needs to buy.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.