Medicare is our focus
Rise Up Benefits Group is an independent agency in Chandler, Arizona, 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 → For financial advisors, wealth managers and CFPs
Medicare Help for Financial Advisors' Clients
When a client turns 65 or leaves employer coverage, 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.
- No cost to you or your clients
- Independent agency led by Viola Lucero, CLTC
- A named agent for the clients you refer
- A co-branded landing page for your firm
- Help with claims, billing and annual reviews
Why partner with us
Why advisors refer clients to Rise Up
You handle the plan for their money. We handle the Medicare questions that land on your desk anyway.
No cost to you or your client
Our help costs nothing. Agents are paid by the insurance company your client chooses, so there is no fee for you, no fee for your client and no referral arrangement to manage.
How we are paid →Help that continues after enrollment
Clients 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 →A co-branded page for your firm
We build a landing page on our site with your firm’s logo and a named Rise Up agent for your clients, so a referral is one simple link.
See what it includes → Questions you will hear
Topics your clients will ask you about
Medicare decisions overlap with the planning you already do. Here is the short version of each, and where to go deeper.
IRMAA surcharges
Higher earners pay more for Part B and Part D. Social Security sets the amount from the tax return two years back, so 2026 premiums use 2024 income. In 2026 the surcharge starts above $109,000 for a single filer and $218,000 filing jointly. Roth conversions, asset sales and a final year of salary can all push a client over a line.
Open the IRMAA calculator →Enrolling while still working
A client covered by a current employer plan through their own or a spouse’s active work may be able to delay Part B without a penalty. The rules depend on employer size, and the enrollment window after work or coverage ends is limited, so timing matters.
Read our Medicare guides →HSA and Medicare timing
Once a client is enrolled in any part of Medicare, HSA contributions must stop. Premium-free Part A can be backdated up to six months when someone signs up after 65, so contributions usually need to stop about six months before they apply.
New to Medicare →The Part D out-of-pocket cap
For 2026, what a person pays out of pocket for covered Part D drugs is capped at $2,100 a year. Clients on expensive medications can now plan around a known ceiling, though the plan they pick still changes premiums and which drugs are covered.
Compare plans →Medigap or Medicare Advantage
This is 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.
See how the options compare →Social Security claiming
Claiming age changes the monthly benefit for life, and once benefits start, Part B premiums are usually taken from the check. Clients already collecting Social Security at 65 are enrolled in Parts A and B automatically.
Open the claiming age calculator →| Single filer | Married filing jointly | Part B monthly | Part D added monthly |
|---|---|---|---|
| $109,000 or less | $218,000 or less | $202.90 | None |
| Above $109,000 up to $137,000 | Above $218,000 up to $274,000 | $284.10 | + $14.50 |
| Above $137,000 up to $171,000 | Above $274,000 up to $342,000 | $405.80 | + $37.50 |
| Above $171,000 up to $205,000 | Above $342,000 up to $410,000 | $527.50 | + $60.40 |
| Above $205,000 up to $500,000 | Above $410,000 up to $750,000 | $649.20 | + $83.30 |
| $500,000 or more | $750,000 or more | $689.90 | + $91.00 |
Source: CMS, 2026 Medicare Parts A and B premiums and deductibles. The Part D amount is added to the plan's own premium. Married filing separately has its own table. CMS announces the 2027 amounts in the fall.
Want a one page summary of these topics for your team? Ask in the form below and we will send one.
We make referring easy
Your co-branded landing page
We build a page on our website for your firm. You share one link, and your clients land somewhere that already knows who sent them, who will help them and how to reach that person.
- It costs nothing, for you or your clients.
- Your clients get the same agent every time they call.
- You can send the link in an email, a newsletter or a review meeting.
- Your firm’s logo shown alongside Rise Up Benefits Group
- A named Rise Up agent who looks after the clients you send
- Direct contact and booking, so clients reach that agent in one step
- Educational resources: plain English guides, calculators and workshops
An outline of what the page includes. We set the details with you.
Partner inquiry
Want to know more about referring clients?
Tell us a little about your practice. We will reach out personally to talk about how we can help your clients and set up your co-branded page.
- No cost and no contract
- A named agent for your clients
- Office in Chandler, AZ, helping clients by phone and video
Prefer to talk? Call (480) 300-5776 or email viola@riseupbenefitsgroup.com.
Free for your clients
Resources we give your clients
Everything here is free and educational, and you are welcome to share any of it.
New to Medicare
A step by step starting point for clients turning 65 or leaving employer coverage.
Seminars and webinars
Free educational workshops online or in person in Chandler. No sales pressure.
Calculators
IRMAA, late enrollment penalties, enrollment dates, Social Security claiming age and more.
Medicare resources
Official forms, contacts and references your clients will need along the way.
Questions and answers
Straight answers to the questions people ask before and after they enroll.
Medicare guides
Longer plain English guides on Parts A, B, C and D, Medigap and enrollment rules.
Questions advisors ask us
Does it cost my client anything to work with Rise Up Benefits Group?
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.
Will you interfere with my relationship with my client?
No. Our work with your client is Medicare and health coverage. We do not give investment advice, and questions about their portfolio or retirement income stay with you.
How is Rise Up Benefits Group paid?
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.
Which states can you help clients in?
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. Our office is in Chandler, Arizona, and we work with clients by phone and video as well as in person. Call (480) 300-5776 and we will confirm we can help where your client lives.
How quickly do you contact a client I refer?
We reach out personally to every referral, and your client can also call us or book a time directly from your co-branded page. If timing is tight, such as a deadline at the end of an enrollment window, tell us when you refer them.
Can you help a client appeal an IRMAA surcharge?
Often, yes. IRMAA is based on income from two years earlier, so a recent drop in income can leave a client paying a surcharge that no longer fits. Social Security accepts a request to use more recent income after a life-changing event, such as stopping or reducing work, marriage, divorce or the death of a spouse, using form SSA-44.
We explain how the process works and what Social Security usually asks for. The request itself goes to Social Security, and they make the decision.
Do you help with both Medigap and Medicare Advantage?
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.
What is the co-branded landing page?
A page on our website made for your firm. It shows your logo next to ours, names the Rise Up agent who will look after your clients, and gives them a direct way to call or book. It also points them to our guides, calculators and workshops. There is no cost to you.
What happens after my client enrolls?
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.
My client is working past 65. Should they still talk to you?
Yes, ideally before their 65th birthday month. Whether to take Part A, delay Part B, or stop HSA contributions depends on their employer coverage, and getting the timing wrong can mean penalties or gaps. We walk them through it.
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, 1-800-MEDICARE, or your local State Health Insurance Program (SHIP) 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.
Have a client turning 65?
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