Vertex Insurance is an Arizona Health insurance Broker based out of Mesa Arizona. We are contracted with many carriers and can search out the best value from our database of over 350 different plans. Please give us a call and we will show you immediately how much money you can save. Please call us with any questions. 602-430-5041.
Our personal guarantee to you.....our customer.........
Vertex insurance is contracted to provide United Health Care, Cigna, Blue Cross Blue Shield, Healthnet, Standard Life, Humana, Aetna, and Assurant. The bottom line is that we will find the health insurance plan that is most suited for your needs.
If you are a small business looking to get quotations on a new group plan or look at other options please contact us and we will be happy to evaluate all options available to you.
Health Insurance Basics
Deductible - The amount that needs to be paid before benefits become available. Example. If you have a plan that has a $2500.00 deductible and a hospital bill for $10,000.00 the first $2,500.00 is your responsibility. If you have a plan that includes doctors office visits normally you will just be required to pay a copay for routine visits to the doctor.
Co-Insurance - The percentage amount that is paid after the deductible is met. One popular option is the 80/20 plan. What this means is once the deductible has been paid 20% of the next additional set of expenses need to be paid until the maximum out of pocket is reached.
Maximum out of pocket - The most that will ever need to be paid in any given year. Example. If you have a $100,000.00 hospital bill with a deductible of $2,500.00 a common maximum out of pocket is $3,000.00. This means that the most that will ever come out of pocket in any given year would be $5,550.00.