Does Rise Up Charge to Help You Choose a Medicare Plan?
No. Our help choosing a 2027 Medicare plan costs you nothing: the insurance company pays the licensed agent, and federal rules (42 CFR 422.262 and 423.286) require a plan's premium to be the same for every member, so you pay the same premium whether you enroll with us or on your own.
That applies to Medicare Advantage, Part D and Medicare Supplement (Medigap) plans, and to the reviews, comparisons and help after you enroll. It also applies in Maricopa County, where CMS lists 52 Medicare Advantage plans from 13 insurers for 2027: comparing them with us is free whichever one you choose, or if you choose none.
| What we do | What it costs you | Why |
|---|---|---|
| Plan review and comparison for 2027 | $0 | Agents are paid by the insurance company, under federal compensation rules (42 CFR 422.2274 and 423.2274) |
| Checking your doctors, prescriptions and pharmacy | $0 | Part of the review |
| Enrolling you in the plan you choose | $0, and no change to the plan premium | Plan premiums are uniform for every member (42 CFR 422.262 and 423.286) |
| Help with claims, bills and the annual review after you enroll | $0 | Ongoing service is part of how we work |
| The plan itself | The plan premium, if any, and your Part B premium | You pay these to the plan and to Medicare, not to us |
How we are paid
When you enroll in a Medicare Advantage, Part D or Medicare Supplement plan through us, the insurance company that offers the plan pays Rise Up Benefits Group. For Medicare Advantage and Part D, how much a plan may pay an agent is set by federal rules, and plans must report their rates to CMS by October 1 each year for the next plan year.
You never receive a bill from us, and nothing is added to your premium. A Medicare Advantage or Part D plan must charge every member the same premium, so the price is identical whether you call the plan yourself, enroll online, or enroll with us.
What you get for that
A licensed agent compares the plans we offer in your ZIP code against your doctors, prescriptions and pharmacy, explains the trade-offs in plain language, and handles the application. Viola Lucero, CLTC (NPN 18355227), and her team meet clients at the Chandler, AZ office by appointment, by phone or by video.
The help does not stop at enrollment. Clients call us about claims, surprise bills, rate increase letters and their annual review before each Annual Enrollment Period, and that help is also free.
What to do next
If you are turning 65, reviewing your plan for 2027 or comparing Medicare Advantage with Medigap, book a free review or call (480) 300-5776. Bring your Medicare card, your current plan card, and your list of doctors and prescriptions.
There is no obligation to enroll. Many people use a review simply to confirm that the plan they have is still the right one.
Related questions
Does Rise Up Charge to Help You Choose a Medicare Plan?
No. Our help choosing a 2027 Medicare plan costs you nothing: the insurance company pays the licensed agent, and federal rules (42 CFR 422.262 and 423.286) require a plan's premium to be the same for every member, so you pay the same premium whether you enroll with us or on your own.
Will my premium be higher if I enroll through an agent?
No. A Medicare Advantage or Part D plan must charge every member the same premium under 42 CFR 422.262 and 423.286, so enrolling through us costs the same as enrolling directly. Medigap rates are set by the insurer and filed with the state, and are the same through us as they would be from that insurer.
Who pays Rise Up Benefits Group?
The insurance company whose plan you choose. For Medicare Advantage and Part D, federal rules set how plans may pay agents, so our pay does not depend on adding cost to you.
Do I have to enroll in a plan after a free review?
No. A review carries no obligation. If your current plan is still the best fit, we will tell you, and you can keep it.
Is help after I enroll also free?
Yes. Questions about claims, bills, prior authorization, a rate increase letter or your next annual review cost nothing. Call the office at (480) 300-5776.
Do you offer every Medicare plan in my area?
No agency offers every plan. We compare the plans from the insurers we represent in your ZIP code and tell you which ones we offer, so you can make a clear choice.
Can I meet in person?
Yes. The office is at 2160 N Alma School Rd, Suite 102, Chandler, AZ 85224, by appointment. We also meet by phone or video anywhere Viola is licensed.
How do I book a review?
Use the booking page at riseupbenefitsgroup.com/book/ to pick a time on Viola's calendar, or call (480) 300-5776.
Sources
- 42 CFR 422.262, Medicare Advantage beneficiary premiums Electronic Code of Federal Regulations
- 42 CFR 423.286, Part D beneficiary premiums Electronic Code of Federal Regulations
- 42 CFR 422.2274, agent, broker and other third-party requirements (Medicare Advantage) Electronic Code of Federal Regulations
- 42 CFR 423.2274, agent, broker and other third-party requirements (Part D) Electronic Code of Federal Regulations
- CMS Medicare Advantage and Part D Landscape, Contract Year 2027 (Maricopa County) Centers for Medicare & Medicaid Services
Please note: We do not offer every plan available in your area. Currently we represent 34 organizations which offer 64 products in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.Rise Up Benefits Group is not connected with or endorsed by the United States government or the federal Medicare program. Medicare has neither endorsed nor reviewed this information.
In their own words
What working with Viola looks like
Viola was very helpful during the process of obtaining an advantage plan that suited my needs. She was very courteous and professional.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Go deeper
More in medicare enrollment
All answers · Free Medicare workshops in Chandler, AZ · Official CMS videos and forms