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Divine Path Financial is an independent, licensed agency helping Texas 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.
Texas is our largest market outside the Northeast, and the range from major metros to small towns means coverage has to be matched county by county.
Texas Medicare Advantage plans change materially by county, so two neighbors in different counties can have very different best options.
Texas has no state income tax, so retirement income planning centers on federal brackets, IRMAA, and property tax exemptions.
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 Houston, Dallas, San Antonio, Austin, Fort Worth and El Paso — 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.
Texas delivers most Medicaid long-term care through STAR+PLUS, and nursing facility eligibility requires both a spend-down and a medical necessity determination. Community-based waiver interest lists in Texas can run for years, which is exactly why families plan ahead here.
Medicare does not pay for ongoing custodial care in Texas 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 Texas 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.
Texas Medicaid (HHS)Waiver / HCBS
Programs that pay for in-home aides, adult day care, and assisted living.
STAR+PLUS managed long-term careSHIP
Unbiased, no-cost 1-on-1 help from state-trained counselors.
Texas HICAPDivine 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 Texas and 30 other states, and works with A-rated national carriers to place Medicare, life insurance, annuity, and final expense coverage for Texas 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.
Texas Medicare Advantage plans change materially by county, so two neighbors in different counties can have very different best options.
Yes. Most Texas 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.
Texas has no state income tax, so retirement income planning centers on federal brackets, IRMAA, and property tax exemptions.
Texas delivers most Medicaid long-term care through STAR+PLUS, and nursing facility eligibility requires both a spend-down and a medical necessity determination. Community-based waiver interest lists in Texas can run for years, which is exactly why families plan ahead here.
One conversation, no obligation. Call 848-272-3234 or pick a time that works for you.