Arizona Medicare Solution Center
- Banner Medisun
- Caremore
- Cigna
- Healthnet
- Secure Horizons
- Scan Health Plan
- Medicare supplements
Partners
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Vertex insurance is an independent insurance agency specializing in medicare solutions. We have several partners that we work with that help us to be successful. Listed below is a summary of them.
Medicare advantage or supplement?
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Vertex insurance is a contracted provider of both medicare advantage and medicare supplement plans. An overview of the two options is listed below:
Medicare Advantage
- Monthly premiums usually lower.
- Usually have to identify a primary care physician.
- When getting medical attention there is usually a copay.
- Visiting a specialist usually requires a primary care physician referral.
- PFFS plans offer greater flexibility of doctors.
- PPO plans will allow you to go to any medicare contracted physician but there may be an out of network charge.
- Usually drug coverage is included in the plan.
- Coverage for emergencies out of state.
- Plan changes can be made during open enrollment.
Medicare Supplements
- Medicare remains your primary and the supplement becomes your secondary insurance.
- Greater flexibility of doctors to see. (Any doctor that accepts Medicare)
- Out of state coverage.
- Prescription drug coverage (Part D) needs to be purchased separately.
- Usually minimal or no copays for services performed.
- Requires a monthly premium.
- Changes to these plans can be made anytime, but may require underwriting.
- Plan benefits remain mostly the same with all companies. Pricing however is different.
EMF Email Forms
Medicare Made Simple - 602-430-5041
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