Independent Medicare broker · Arizona & Rhode Island

Clear guidance.
Confident decisions.

I’m Lucy Encarnación. I help you understand Medicare Advantage and Part D in plain language, compare what is available where you live, and move forward with clear, personal guidance.

Call Lucy WhatsApp

Insurance carriers we work with

UnitedHealthcare

Blue Cross Blue Shield

Lucy Encarnación Independent Medicare broker · Arizona & Rhode Island · Bilingual

Your Medicare options

Less jargon. More clarity.

A calmer, more personal way to understand your options — with clarity first, and pressure nowhere in sight.

Lucy Encarnación helping clients with Medicare options

Personal review Bilingual guidance Clear comparison

Personal guidance

A more thoughtful way to review your Medicare options.

Lucy helps you look at what really matters — your doctors, prescriptions, plan details, and your peace of mind — so each option feels easier to understand and more confident to choose.

What matters most Coverage, prescriptions, provider access, and real-life costs — explained clearly.

Part C and Part D A simple review of the options you need most, without unnecessary complexity.

A personal conversation Every recommendation begins with listening, understanding, and guiding with care.

Medicare Advantage · Part C

Medicare Advantage plans are offered by private insurance companies approved by Medicare and provide your Part A and Part B benefits. Many plans also include Part D prescription coverage and may offer additional benefits.

Networks & costs County availability Possible extra benefits

Prescription drug coverage · Part D

Part D helps cover prescription drugs. We can review your medications, plan formularies, participating pharmacies, and available options so the comparison feels practical—not abstract.

Medication review Formularies Pharmacy networks

A simple starting point

Three questions. A clearer place to begin.

This quick check helps determine whether this consultation is the right fit. No name, phone number, or medical information is required.

Are you age 65 or older?

Have you or your spouse worked and paid Medicare taxes for about 10 years?

Do you have a registered disability?

This screening only determines whether this consultation is a fit based on the criteria above. It does not determine official Medicare eligibility.

Meet Lucy

A little about Lucy.

My name is Lucy Encarnación, and I enjoy helping people understand their Medicare options in a clear and caring way. I consider myself a person who is passionate about serving others with honesty, empathy, and dedication. I am a woman of faith, devoted to God through Christ, and I try to reflect those values in the way I treat and serve each person.

My goal is to offer a service that feels clear, respectful, and genuinely helpful from the very first conversation.

UnitedHealthcare Humana Alignment Health Wellcare Aetna Blue Cross Blue Shield

A conversation, your way

When you’re ready, I’m here.

Choose the way you prefer to connect. Your appointment will open directly from the available calendar schedule.

info@loeinsurancebroker.com

In-person appointment

Meet face to face. In-person appointments are available on Mondays.

Phone appointment

For phone appointments, contact Lucy directly on WhatsApp and choose a convenient time together.

Schedule by WhatsApp

Clear guidance.Confident decisions.