Independent agency
Your home, auto and business clients turn 65 and retire too, and the Medicare questions land on your desk. Send them to us. We help them choose Medicare coverage and stay with them afterward, at no cost to you or to them. We speak insurance, so you don't have to.
You protect their house, cars and business. We handle the Medicare and health questions you would rather not.
Rise Up Benefits Group is an independent agency licensed in 29 states plus the District of Columbia, led by Viola Lucero, CLTC. We explain Medicare in plain English and compare Medigap, Medicare Advantage and Part D options side by side.
Meet Viola →Rise Up Benefits Group works on Medicare, health, life, long-term care and retirement coverage. We do not write home, auto, renters, umbrella or commercial policies, so there is no overlap with what you sell.
See the lines we cover →Our help costs nothing. Agents are paid by the insurance company the person chooses, so there is no fee for you, no fee for them and no referral payment in either direction.
How we are paid →People keep us after they sign up. We help with claims and billing problems, review plans and prescriptions every Annual Enrollment Period, and check for a lower-cost plan when a Medigap company raises rates.
What we help with →The short version of each, and where to send them to go deeper.
The first chance to sign up is a seven-month window: the three months before the 65th birthday month, that month, and the three months after. Missing it without other qualifying coverage can mean a Part B penalty of 10% for each full 12 months without Part B, for as long as they have it.
Turning 65 checklist →Someone covered through current work can usually delay Part B. When the job or the coverage ends, they have eight months to sign up. COBRA does not count as coverage from current work for this rule, which catches many people out.
Working past 65 and Medicare →The decision clients ask about most. Medigap pairs with Original Medicare and a separate drug plan; Medicare Advantage bundles coverage through a private plan with a network. Switching to Medigap later can mean health questions, so the first choice deserves care.
Medicare Advantage vs Supplement →The standard Part B premium is $202.90 a month in 2026, with a $283 yearly deductible. Higher earners pay more. Plan premiums come on top, so the total depends on the coverage they choose.
Open the IRMAA calculator →A client who retires early, or whose spouse goes on Medicare, may need individual health insurance. Losing job-based coverage opens a special enrollment window for a Marketplace plan, and we help with that too.
Health coverage before Medicare →Figures: CMS, 2026 Medicare amounts.
Give your client our number, (480) 300-5776, or send us their name and number with their permission.
A named Rise Up Benefits Group agent contacts them, answers their questions and compares their Medicare options with them.
After they enroll we help with claims and billing and review their plan every fall. Their home and auto stay with you.
Tell us a little about your agency. We will reach out personally to talk about how we can help your clients.
Prefer to talk? Call (480) 300-5776 or email [email protected]. Ready to refer someone now? Use our referral form.
Everything here is free and educational, and you are welcome to share any of it.
A step by step starting point for anyone turning 65 or leaving employer coverage.
Free educational workshops online or in person in Chandler, AZ. No sales pressure.
IRMAA, late enrollment penalties, enrollment dates and more.
Straight answers to the questions people ask before and after they enroll.
No. We do not sell home, auto, renters, umbrella or commercial insurance. Our work with your client is Medicare and health coverage, and their property and casualty policies stay with you.
No. Our help costs nothing for you or your client. The plan premium is the same whether your client enrolls through us or directly with the insurance company.
Like most independent agencies, we are paid by the insurance company your client chooses. You pay nothing, your client pays nothing extra, and there is no referral fee in either direction.
Viola Lucero, CLTC is licensed in 29 states plus the District of Columbia: Alabama, Arizona, Arkansas, California, Colorado, District of Columbia, Florida, Georgia, Idaho, Illinois, Kansas, Louisiana, Maryland, Michigan, Minnesota, Missouri, Montana, Nevada, New Mexico, North Carolina, Ohio, Oklahoma, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin. Call (480) 300-5776 and we will confirm we can help where your client lives.
Ideally a few months before their 65th birthday month. That leaves time to compare options and sign up so coverage starts on time, and to sort out any employer coverage first.
We reach out personally to every referral, and your client can also call us or book a time directly. If timing is tight, such as a deadline at the end of an enrollment window, tell us when you refer them.
Yes. We compare Medicare Supplement (Medigap), Medicare Advantage and Part D drug plans from the companies we are appointed with, and explain the trade-offs so your client can choose. We do not offer every plan available in every area.
We stay their agent. We help with claims and billing problems, review their plan and prescriptions during each Annual Enrollment Period, and when a Medigap company raises rates, we check whether they qualify for a lower-cost plan.
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.
Send them our way, or call (480) 300-5776 to talk it through. We speak insurance, so you don't have to.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776
Your choices are saved on this device.
