Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Independent agency
Part D is Medicare prescription drug coverage. If you have Original Medicare, with or without a Medigap plan, you get it through a stand-alone drug plan. The right one is the plan that covers your medicines at the pharmacy you use for the lowest total cost across the year, which is rarely the one with the lowest premium.
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.
In clients' words
Rise Up Benefits Group is absolutely outstanding! Viola and her team are hands down amazing. Knowledgeable, professional, and genuinely caring. They take what could be a complicated process and make it simple and easy to understand. Their expertise with Medicare enrollment gives you complete confidence in your decisions. I truly appreciate how they take the time to explain every option clearly and with patience. I highly recommend Rise Up Benefits Group to anyone needing trusted guidance with Medicare, they’re the best!
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
For CY2027 the CMS Landscape lists 9 stand-alone Part D plans in Arizona, with monthly premiums from $5.30 to $191.50 (CY2027, CMS Landscape). Premium is only one piece. Each plan has its own drug list (formulary), its own tiers, its own deductible and its own preferred pharmacies. Two plans with similar premiums can be hundreds of dollars apart once your prescriptions are priced.
Since 2025 there is a yearly cap on what you pay out of pocket for covered Part D drugs. In 2026 that cap is $2,100; once you reach it, covered drugs cost you $0 for the rest of the year. For 2027 CMS has set the cap at $2,400 and the most a plan's deductible can be at $700 (CMS CY2027 Rate Announcement). The cap helps people with expensive medicines most, but how quickly you reach it, and what you pay on the way, still depends on the plan.
A worked example, as an illustration only. Suppose your covered prescriptions are expensive enough to reach the cap in 2027. You pay up to $700 first if your plan uses the full deductible, then your tier copays or coinsurance until your out-of-pocket spending reaches $2,400, then $0 for covered drugs for the rest of the year. The same year under the 2026 rules would have stopped at $2,100, so the most you can spend on covered drugs rises by $300. Your plan premium is paid on top of the cap, and drugs not on the plan's drug list do not count toward it.
Timing matters too. If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period, Medicare can add a late enrollment penalty to your premium for as long as you have Part D. If you are working past 65 with employer coverage, Viola helps you confirm whether that coverage counts as creditable so you do not get caught by it later.
Here is how that penalty is figured, as a worked example. Medicare multiplies 1% of the national base beneficiary premium by the number of full months you went without creditable coverage, and rounds to the nearest 10 cents (Medicare.gov, Avoid late enrollment penalties). The base premium is $38.99 in 2026 and $41.33 in 2027 (CMS). Someone who went 20 months without coverage would add $7.80 a month in 2026 and $8.30 a month in 2027, and the amount is recalculated each year for as long as they have Part D.
Viola's process is simple. You give her the name, dose and how often you take each medicine, plus the pharmacy you like. She prices them across the plans she offers, flags anything that needs prior authorization or step therapy, and shows you the estimated total for the year, premium plus drug costs. If your income is limited she checks whether you may qualify for Extra Help, the Social Security program that lowers Part D costs, or for an Arizona Medicare Savings Program through AHCCCS.
Drug lists change every year, and new prescriptions change the math. That is why she reruns your drugs every Annual Enrollment Period, October 15 to December 7, 2026 for 2027 coverage, and why you can call her mid-year when a pharmacy tells you something is no longer covered.
You have Original Medicare, alone or with a Medigap plan, and need drug coverage. Or you already have a Part D plan and want to know whether it is still the right fit for your 2027 prescriptions.
Not without pricing your drugs. A low premium plan can put one of your medicines on a high tier or outside its drug list, and that can cost more over a year than the premium saves. Compare the total yearly cost for your exact prescriptions at your pharmacy, then decide.
Sources: CY2027 Medicare Advantage and Part D Landscape (Centers for Medicare & Medicaid Services, 2027) ; CY2027 Medicare Advantage and Part D Rate Announcement (Centers for Medicare & Medicaid Services, 2026/2027) ; CY2027 Part D national average bid and base beneficiary premium (Centers for Medicare & Medicaid Services, 2027) . Reviewed 2026-10-14.
Free calculators for this coverage. Results are estimates, not quotes.
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
See what going without drug coverage adds to your Part D premium, for as long as you keep Part D.
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Compare what each path could cost you in a typical year and in a heavy-use year.
How Medicare drug coverage works in 2027: the $700 deductible limit, the $2,400 out-of-pocket cap, formularies and tiers, the late penalty, and the Part D plans available in Arizona.
If your income is limited, Arizona's Medicare Savings Programs through AHCCCS can pay your Part B premium, and Extra Help can lower your drug costs. Here are the 2026 limits, what each program pays, and how to apply.
The two checks that decide whether a Medicare plan works for you: is your doctor really in network for 2027, and how does the plan cover your prescriptions? A step-by-step method for East Valley residents.
Every 2026 Medicare cost in one place from CMS: Part A and Part B premiums and deductibles, hospital and skilled nursing coinsurance, IRMAA brackets, Part D limits, and what is already known for 2027.
Signing up for Medicare late can add a penalty to your premium, and for Part B and Part D it usually lasts as long as you have that coverage. Here is how each penalty works, with 2026 and 2027 examples, and how to avoid one.
IRMAA is the extra amount higher earners pay on top of the Part B and Part D premiums. Here is how Social Security decides who pays, the 2026 brackets from CMS, and how to ask for a lower amount when your income drops.
Not without pricing your drugs. A low premium plan can put one of your medicines on a high tier or outside its drug list, and that can cost more over a year than the premium saves. Compare the total yearly cost for your exact prescriptions at your pharmacy, then decide.
If you go 63 days or more in a row without Part D or other creditable drug coverage after your Initial Enrollment Period ends, Medicare adds a penalty to your Part D premium. It is 1% of the national base beneficiary premium for each full month without coverage, and you pay it for as long as you have Part D.
Yes. In 2026 your out-of-pocket spending on covered Part D drugs is capped at $2,100. After you reach it, covered drugs cost $0 for the rest of the year. For 2027 the cap rises to $2,400 (CMS CY2027 Rate Announcement).
Yes. During Annual Enrollment, October 15 to December 7, you can switch Part D plans for the following year. Drug lists, tiers and premiums change each year, so it is worth rerunning your prescriptions every fall.
Extra Help is a Social Security program for people with limited income and resources that lowers Part D premiums and drug costs. Limits change each year. Viola can walk you through the current limits and the application, or point you to Social Security directly.
A Part D plan can charge a yearly deductible of up to $700 in 2027 (CMS CY2027 Rate Announcement). Many plans set a lower deductible, and some skip it on lower cost generic tiers.
The deductible is only one piece of your cost. Viola looks at it together with the premium and the price of each of your drugs, because the plan with the smallest deductible is not always the one that costs least over the year.
Many people still enroll. If you skip Part D without other creditable drug coverage, you can face a late enrollment penalty later that lasts as long as you have Part D. And a new diagnosis can come at any time.
A plan with a low premium can be a sensible way to stay covered while you are healthy. Viola can show you the options and what the penalty would add if you wait.
It is drug coverage, often from an employer or union, that is expected to pay on average at least as much as standard Part D. If you have it, you can delay Part D without a penalty.
Your plan should send you a notice each year saying whether your coverage is creditable. Keep those letters, because you may need them to prove you avoided a gap when you later join Part D.
Yes. The Medicare Prescription Payment Plan lets you pay your Part D out-of-pocket drug costs in monthly amounts through your plan instead of all at once at the pharmacy. There is no interest or fee to join.
It does not lower your total cost; it smooths it out. It tends to help most when you have expensive prescriptions early in the year. Ask your plan, or ask Viola, how to sign up.
Part D Prescription Drug Plans in Chandler and across Arizona: no pressure, plain answers, and a review every year.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 (480) 300-5776
Your choices are saved on this device.