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Divine Path Financial is an independent, licensed agency helping Rhode Island 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.
Rhode Island's compact geography means most clients can keep the same specialists, so the decision usually comes down to cost predictability.
With fewer Medicare Advantage options than neighboring states, Rhode Island retirees often compare Supplement plans first.
Rhode Island exempts a portion of Social Security and pension income for retirees who meet age and income requirements.
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 Providence, Warwick, Cranston and Newport — 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.
Rhode Island Medicaid covers nursing facility care after a spend-down and a level-of-care review, and its integrated care programs coordinate Medicare and Medicaid together. Facility costs run above the national average across the state.
Medicare does not pay for ongoing custodial care in Rhode Island 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 Rhode Island 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.
Rhode Island Medicaid (EOHHS)Waiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
RI long-term services & supportsSHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
Rhode Island 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 Rhode Island and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for Rhode Island 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.
With fewer Medicare Advantage options than neighboring states, Rhode Island retirees often compare Supplement plans first.
Yes. Most Rhode Island 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.
Rhode Island exempts a portion of Social Security and pension income for retirees who meet age and income requirements.
Rhode Island Medicaid covers nursing facility care after a spend-down and a level-of-care review, and its integrated care programs coordinate Medicare and Medicaid together. Facility costs run above the national average across the state.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.