Vertich Insurance Agency’s full-time staff can assist you with any questions, claim problems, and billing issues. Save yourself the hassle of calling a big insurance company directly, and call us instead – after all, we represent you and are happy to help. Believe it or not, 95% of problem situations are corrected with only one phone call to our office. And, in the event the insurance company should need to be called, we’d be happy to do this for you.

Employers, when you hire new employees, our field agents will come to your location, fully explain all benefits, and enroll your new employees on the spot. This reduces employee Liability.

At Vertich Insurance Agency, we are always available to review and evaluate individual insurance and Employer-Sponsored Benefit (Group Insurance) Programs. We will astutely prepare bidding specs to insurers. We will also evaluate the quotes received as well as insurance companies to help you determine which programs will best meet your needs. We also analyze ways to control your cost increase trends, which can be implemented without decreasing the quality of your coverage.

Our team of professional enrollers is here to assist with you with making your insurance enrollment a significant opportunity to build upon employee satisfaction. Employers value the guidance that we are able to provide to increase employees’ understanding of benefits, maintain compliance with state and federal requirements, and to reduce your staff’s administrative burden. We will go to any location – local, state, or national.

Through Premium Management Services, we are able to bill multiple insurance companies to optimize your benefits program. We can ensure that you have the best medical plan, life insurance program, dental insurance, etc. We will also consolidate all of your insurance programs into one easy-to-understand bill. You also write a single check for all of your insurance programs. We are the largest Insurance Agency providing one source billing.

We offer complete administration of tax-free, Section 125 / Cafeteria Plans – preparing all plan documents for both employer and employee with absolutely no administration or service fees for clients who purchase employee benefits from Vertich Insurance Agency.

We provide COBRA service and administration at no additional cost.

Health Savings Accounts offer a unique opportunity to provide more cost effective health coverage. This program can lower taxes by allowing a 100% “above the line” tax deduction when paying for out-of-pocket medical, dental or vision expenses. It also rewards prudent people, who use their health plan wisely, with the chance to use the money in a HSA for retirement or to help pay for long-term care.

For Employees or dependents with extensive medical or prescription bills, the HSA has a much lower out of pocket expense compared to traditional PPO plans. Best of all anyone under age 65 can fully participate in this program; including those with high incomes.

Vertich Insurance Agency offers complete administration of HSA’s. Free additional information and printed regulations are available, please call for details.

Health Reimbursement Arrangements can allow you to cover your employee’s medical bills with cash in areas where it is much cheaper than having the insurance company pay. It also allows employees to take unused health plan benefits and carry them over from one year to the next.

After a year or so of coverage, if a major hospital stay occurs, employees who save up their unused health benefits will spend less money out of their pocket for treatment than with typical health insurance plans. This program can be implemented so that it is easy to use by anyone. The best part of the HRA is that it substantially reduces employer cost while increasing benefits for employees.

Vertich Insurance Agency offers complete administration of HRA’s. Free additional information and printed regulations available, please call for details.

Traditional PPO Medical Plans can include co-pays, HSA and HRA Plans. If your claims are average to lower than most insurance groups, it will reward the Employer with a return of some of the insurance premiums at the end of the policy year.

REDUCING COST & INCREASING QUALITY of your Group Insurance Plans is important. We accomplish this on almost all of the group medical plans we take over.