Independent Medicare broker · Arizona

Medicare feels lighter when someone truly listens.

I’m Lucy Encarnación. I help you understand Medicare Advantage and Part D in plain language, compare what is available where you live, and stay close when questions come later.

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Serving all Arizona English + Español Personal guidance at no cost to you
Lucy Encarnación, insurance broker
Lucy Encarnación Independent Medicare broker · Arizona · Bilingual
Personal review Clarity before decisions.

A real conversation, without call-center pressure.

Your Medicare options

Less jargon. More clarity.

We focus on the two areas you asked us to help with, then explain the details in a way that is easy to compare.

C

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
D

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 is designed to help you know whether it makes sense to have a conversation. 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 receive qualifying disability benefits or have a condition that may qualify?

This educational check does not determine official Medicare eligibility. Eligibility depends on individual circumstances and Medicare rules.
Help with costs

When every dollar matters, we look closer.

Some people may qualify for programs or plan options that can make prescription and healthcare costs easier to manage.

01

Extra Help

Extra Help is a Medicare program that can help people with limited income and resources pay certain Part D prescription drug costs.

02

Medicare + Medicaid

People who have both Medicare and Medicaid may have access to plan options designed to coordinate their coverage and benefits.

Lucy Encarnación providing personal insurance guidance
A good plan matters. Feeling understood matters too. That is why every comparison starts with a conversation.
Carrier relationships

Recognized names. Guidance that stays personal.

I review plan availability by county and help you compare the details that matter to your life—not just what looks good on a brochure.

UHC
UnitedHealthcareReviewed based on availability
H
HumanaReviewed based on availability
AH
Alignment HealthReviewed based on availability
W
WellcareReviewed based on availability
A
AetnaReviewed based on availability
BCBS
Blue Cross Blue ShieldRhode Island only
Carrier and plan availability varies by county, eligibility, service area, and plan year.
Lucy Encarnación
Meet your broker

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.
I listen firstWe begin with your situation, not with a sales script.
I explain clearlyI keep the process simple and easy to follow.
I stay availableIf questions come up later, you can still reach out.
A conversation, your way

When you’re ready, I’m here.

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

In-person appointment

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

Phone appointment

Choose any phone appointment shown as available in the calendar.

Schedule by WhatsApp
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