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Divine Path Financial is an independent, licensed agency helping Indiana 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.
Indiana households we work with are often long-tenured manufacturing or public-sector employees weighing a pension election against a rollover.
Indiana's hospital systems dominate specific regions, so verifying network status is the first step before any Medicare Advantage recommendation.
Indiana does not tax Social Security benefits, and its flat state income tax makes multi-year Roth conversion math relatively straightforward.
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 Indianapolis, Fort Wayne, Evansville and South Bend — 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.
Indiana operates a Long Term Care Insurance Partnership, so buying a qualifying policy can let you protect additional assets if you later need Medicaid. That trade-off is one of the strongest reasons for Indiana residents to look at coverage before a diagnosis.
Medicare does not pay for ongoing custodial care in Indiana 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 Indiana 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.
Indiana Medicaid (FSSA)Waiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
Indiana PathWays for AgingSHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
Indiana 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 Indiana and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for Indiana 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.
Indiana's hospital systems dominate specific regions, so verifying network status is the first step before any Medicare Advantage recommendation.
Yes. Most Indiana 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.
Indiana does not tax Social Security benefits, and its flat state income tax makes multi-year Roth conversion math relatively straightforward.
Indiana operates a Long Term Care Insurance Partnership, so buying a qualifying policy can let you protect additional assets if you later need Medicaid. That trade-off is one of the strongest reasons for Indiana residents to look at coverage before a diagnosis.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.