Medicare enrollment dates
See your seven-month Initial Enrollment Period, your earliest coverage date and your Medigap open enrollment window.
Long-Term Care tools ·
2026 figures
Long-Term Care Cost Planner for Arizona
Enter today’s monthly cost for the kind of care you want to plan for, when it might start, how long it might last and the growth rate you want to assume. Add a policy’s daily benefit and benefit period to see how much of the bill it could cover.
In clients' words
What working with Viola looks like
I’m very happy I went to Viola at Rise up Benefits Group for my Medicare enrollment. I was inundated with mail and way too much information. I have been with Champ VA for 9 years so it gets confusing what to sign up for without losing those benefits as they become secondary. Viola explained everything and picked out the best option for me. I highly recommend her as it made this transition very smooth.
Verbatim client reviews from the agency's public profiles (5.0 stars from 49 Google reviews). Read all reviews.
Estimates only. Estimates only. Figures on this page use published plan-year values and the details you enter. They are not a quote, an offer of coverage, or a determination of eligibility. Your final premium and any tax credit are confirmed at enrollment with the carrier or HealthCare.gov. Everything is calculated in your browser; nothing you type is sent to us or anyone else.
What this assumes
- You enter the monthly cost. Ask local providers for current prices, or ask us to help you find them.
- Costs grow at the yearly rate you choose, compounded, both before and during care.
- The policy side assumes a daily benefit paid up to the actual cost, for the benefit period you enter, with the inflation protection you choose.
- Elimination periods, tax treatment and policy riders are not modelled.
- Long-term care insurance is subject to underwriting and carrier approval.
- An estimate from published figures and the numbers you enter, not a quote or an eligibility decision.
Talk it through with Viola
An estimate is a starting point. Viola Lucero, CLTC, and the team at Rise Up Benefits Group in Chandler can look up the real figures for your situation, check your doctors and prescriptions, and explain what the numbers mean for you. We speak insurance, so you don't have to.
Life, long-term care, annuity and supplemental products are subject to underwriting and carrier approval. Guarantees are based on the claims-paying ability of the issuing company. Nothing on this site is tax, legal or investment advice.
Common questions
Does Medicare pay for long-term care?
Generally no. Medicare covers short stays in a skilled nursing facility after a qualifying hospital stay, but not ongoing help with daily activities such as bathing and dressing.
How do I find out what care costs near me in Arizona?
Ask two or three local home care agencies, assisted living communities or nursing homes for their current monthly rates, then enter that figure in the planner. We can help you gather them.
What do daily benefit and benefit period mean?
The daily benefit is the most a policy pays for each day of care. The benefit period is roughly how many years it pays at that level. Together they set the size of the policy’s pool of money.
Why does inflation protection matter in a long-term care policy?
Care often starts years after you buy. Without inflation protection, a benefit that fits today’s prices can fall well short when you need it.
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IRMAA calculator
See whether your income adds a surcharge to your Part B and Part D premiums, and how much.
Medigap vs Advantage costs
Compare what each path could cost you in a typical year and in a heavy-use year.
ACA subsidy calculator
Estimate your premium tax credit and what a benchmark Silver plan might cost you each month.
We speak insurance, so you don't have to.
Book a free, no-pressure review with Viola in Chandler, by phone or by video. Bring your questions; leave with answers.
2160 North Alma School Road, Suite 102, Chandler, AZ 85224 · (480) 300-5776