LOE Insurance Broker

LOE Insurance Broker is run by Lucy Encarnación, an independent Medicare broker serving clients in Arizona and Rhode Island in English and Spanish. She helps people understand Medicare Advantage (Part C) and Medicare Part D prescription drug coverage in plain language, reviewing doctors, medications, plan formularies, pharmacy networks, and costs to make comparisons practical rather than confusing. The site offers a free consultation and a short quick-check tool to see if a consultation is a good fit, with no personal or medical information required upfront. She works with carriers including UnitedHealthcare and Blue Cross Blue Shield, offering a calm, personal approach focused on clarity over sales pressure.