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Divine Path Financial is an independent, licensed agency helping New York 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.
New York retirees face some of the highest long-term care costs in the country, which makes protection planning as important as growth.
New York requires community-rated, guaranteed-issue Medicare Supplement plans year-round — a rare and valuable consumer protection.
New York does not tax Social Security and exempts up to $20,000 of other retirement income for those 59½ and older.
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 New York City, Buffalo, Rochester, Albany and Long Island — 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.
New York is the most expensive long-term care market in the country, with New York City nursing home rooms often exceeding $15,000 a month. Medicaid Managed Long Term Care requires a spend-down and an assessment, and the state has been tightening home care eligibility and look-back rules.
Medicare does not pay for ongoing custodial care in New York 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 New York 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.
New York MedicaidWaiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
Managed Long Term Care (MLTC)SHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
New York HIICAPDivine 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 New York and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for New York 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.
New York requires community-rated, guaranteed-issue Medicare Supplement plans year-round — a rare and valuable consumer protection.
Yes. Most New York 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.
New York does not tax Social Security and exempts up to $20,000 of other retirement income for those 59½ and older.
New York is the most expensive long-term care market in the country, with New York City nursing home rooms often exceeding $15,000 a month. Medicaid Managed Long Term Care requires a spend-down and an assessment, and the state has been tightening home care eligibility and look-back rules.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.