Medicare Advantage
Part C plans that deliver your hospital and medical coverage, and usually your drugs, through one private plan with a yearly out-of-pocket limit.
Services
Insurance Services in Chandler, AZ
We speak insurance, so you don't have to. Rise Up Benefits Group is an independent agency in Chandler. Viola Lucero, CLTC, helps Arizonans with Medicare, health, life, long-term care, retirement income, supplemental coverage and employer benefits, and makes sure you know what you have, how to use it and what it covers.
Medicare
Medicare
Advantage, Supplement and Part D, compared for your doctors and prescriptions.
Medicare Supplement (Medigap)
Medigap plans that sit beside Original Medicare and pay some or most of the deductibles, copays and coinsurance Medicare leaves you.
Part D Prescription Drug Plans
Stand-alone prescription drug plans for people on Original Medicare, checked against your actual medicines and pharmacy every year.
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.
Health
Individual & Family Health
Marketplace plans and tax credits, short-term cover and HSAs for life before 65.
Individual & Family Health (ACA)
Affordable Care Act plans for people under 65 who buy their own coverage, with help checking tax credits, networks and prescriptions.
Short-Term Medical
Temporary medical coverage that can bridge a gap between jobs or until Open Enrollment, with clear limits you should understand first.
Health Savings Accounts
Pair a qualifying high deductible health plan with an HSA and pay medical costs with tax-advantaged dollars, now or in retirement.
Life
Life Insurance
Term, permanent and final expense cover sized to the people who rely on you.
Term Life Insurance
Affordable life insurance for a set number of years, sized to cover the mortgage, the kids and the income your family relies on.
Permanent Life (Whole & Universal)
Life insurance designed to last your whole life, with cash value that builds over time. Whole and universal life explained plainly.
Final Expense Insurance
Smaller whole life policies that help your family pay for a funeral, final bills and loose ends, often with simple health questions.
Long-Term Care
Long-Term Care
Traditional and hybrid long-term care, and short-term care for the gap in between.
Long-Term Care Insurance
Traditional and hybrid long-term care insurance to pay for care at home, in assisted living or a nursing home, planned by a CLTC.
Short-Term Care Insurance
Recovery coverage for a year or less of care at home or in a facility, often with easier qualification than long-term care.
Retirement
Retirement & Annuities
Turning savings into income you cannot outlive, and planning the move off work benefits.
Annuities & Retirement Income
Annuities that can turn part of your savings into income you cannot outlive, explained plainly with no pressure and no jargon.
Supplemental
Supplemental Coverage
Critical illness, hospital indemnity, dental, vision and travel cover for the gaps.
Critical Illness Insurance
A lump sum cash benefit if you are diagnosed with a covered illness such as cancer, heart attack or stroke, to use however you need.
Hospital Indemnity Insurance
Cash benefits for a hospital stay that help cover copays and costs your health plan leaves, including on Medicare Advantage.
Dental Insurance
Individual, family and senior dental plans compared by network, waiting periods and what major work really costs.
Vision Insurance
Vision plans for routine eye exams, glasses and contacts, explained alongside what your medical plan covers for eye disease.
Travel Insurance
Travel medical and trip protection for trips abroad, checked against what your health plan or Medicare already covers outside the US.
Group Benefits
Employer Group Benefits
Health and benefits for small employers who want to look after their people.
Employer Group Benefits
Health, dental, vision, life and supplemental benefits for small employers who want to look after their people but worry about cost.
FAQ
Common questions
What does it cost to work with Rise Up Benefits Group?
There is no fee to talk with Viola. Insurance companies pay agents a commission that is built into the price of a plan, so a plan costs the same whether you enroll on your own or with her help.
Which areas does Rise Up Benefits Group serve?
The office is at 2160 North Alma School Road, Suite 102 in Chandler, Arizona. Viola works with people across Chandler, Gilbert, Mesa, Tempe, Queen Creek and the rest of Maricopa and Pinal counties, in person or by phone.
Can Viola help me with more than one kind of insurance?
Yes. Many clients start with Medicare or health insurance and later add dental, vision, life, long-term care or hospital coverage. Looking at everything together helps avoid gaps and paying twice for the same protection.
Does Rise Up Benefits Group offer every Medicare plan in my area?
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.
Is Rise Up Benefits Group part of Medicare or the government?
No. Rise Up Benefits Group is an independent insurance agency in Chandler. We help you understand and compare plans from the insurance companies we represent, and we are licensed to enroll you.
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.
When is the Chandler office open?
Open Monday to Friday, 9 AM to 5 PM. Call ahead to book a time, so Viola or a member of her team is ready for you. You can also meet by phone or video, or at your home in the East Valley, and you can reach the office at (480) 300-5776.
Can Viola help if I or my family live outside Arizona?
Often, yes. Viola is licensed in 29 states and the District of Columbia, so she can help many clients who move away, spend part of the year elsewhere, or have parents in another state. Those conversations happen by phone or video.
Call and ask about your state before you get started, and she will tell you whether she can help.
What should I bring to my first appointment?
Bring your Medicare or insurance cards, any current plan documents, a list of your doctors and the pharmacy you use, and your prescriptions with their doses. For life or long-term care, a rough idea of your budget and what you want to protect helps too.
With those in hand, Viola can do a real comparison instead of a generic one.
Will Viola review my coverage every year?
Yes. Plans, networks, drug lists and prices change, so Viola reviews your coverage with you every year and checks it still fits. Medicare clients get that review each fall before Annual Enrollment ends on December 7.
Between reviews, you can call the office with questions about a bill, a claim or a pharmacy problem, and we help you sort it out.
We speak insurance, so you don't have to.
Tell Viola what you are trying to protect. She will explain your options in plain English and review them with you every year.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776