# Delta 4 Benefits

> Delta 4 Benefits (Delta 4 Benefits, LLC) is an independent group benefits and ancillary insurance consulting firm in Gilbert, Arizona, serving employers since 1998. It works exclusively in group (employer-sponsored) benefits, mainly group medical, dental, vision and life insurance, plus disability and HSA/HRA/FSA accounts. It does not sell individual or family plans. It works with all the major insurance carriers, and provides bilingual (English and Spanish) benefit and claim support for employees.

Key facts:
- Business type: group benefits and ancillary insurance consultants (independent employee benefits broker)
- Works only with group (employer-sponsored) plans, not individual or family plans
- Does not sell Medicare plans; refers people to Medicare.gov, 1-800-MEDICARE and free SHIP counseling
- Also offers voluntary/supplemental benefits: critical illness, accident, hospital indemnity, telemedicine, EAP, long-term care
- Location: Gilbert, AZ, USA
- Areas served: Gilbert, Mesa, Chandler, Queen Creek, Scottsdale, Tempe, Phoenix and the greater Phoenix, Arizona area
- Founded: 1998
- President: Cesar DelRosal
- Phone: 602-316-7056
- Email: cdelrosal@delta4benefits.com
- Website: https://www.delta4benefits.com/

## Services
- [Group medical insurance](https://www.delta4benefits.com/services/group-health-insurance/): Group health insurance for Arizona employers: PPO, HMO and HSA-qualified plans compared across major carriers by Delta 4 Benefits, an independent broker in Gilbert since 1998.
- [Group dental insurance](https://www.delta4benefits.com/services/group-dental-insurance/): Group dental insurance for Arizona employers: dental PPO and DHMO plans compared across carriers by Delta 4 Benefits, an independent broker in Gilbert since 1998.
- [Group vision insurance](https://www.delta4benefits.com/services/group-vision-insurance/): Group vision insurance for Arizona employers: eye exams, glasses and contact lenses, compared across carriers by Delta 4 Benefits in Gilbert, AZ.
- [Group life insurance](https://www.delta4benefits.com/services/group-life-insurance/): Group term life and AD&D insurance for Arizona employers, plus voluntary supplemental life for employees. Delta 4 Benefits, independent broker in Gilbert, AZ.
- [Group disability insurance](https://www.delta4benefits.com/services/disability-insurance/): Group short-term and long-term disability insurance for Arizona employers. Protect your employees' income if illness or injury keeps them from working. Delta 4 Benefits, Gilbert AZ.
- [Voluntary & supplemental benefits](https://www.delta4benefits.com/services/voluntary-benefits/): Critical illness, accident, hospital indemnity, telemedicine, employee assistance programs (EAP) and long-term care benefits for Arizona employers. Delta 4 Benefits, Gilbert AZ.
- [HSAs, HRAs and FSAs](https://www.delta4benefits.com/services/hsa-hra-fsa/): Health Savings Accounts (HSAs), Health Reimbursement Arrangements (HRAs) and Flexible Spending Accounts (FSAs) explained for Arizona employers by Delta 4 Benefits, Gilbert AZ.
- [Employee education and claim support](https://www.delta4benefits.com/services/employee-support/): Enrollment meetings, benefits education and bilingual (English and Spanish) claim support for your employees, from Delta 4 Benefits in Gilbert, AZ.

## Pages
- [Home](https://www.delta4benefits.com/): overview of services and how Delta 4 Benefits works with employers
- [Services](https://www.delta4benefits.com/services/): group benefits, life insurance, employee support, carrier doctor search links
- [About](https://www.delta4benefits.com/about/): company background
- [Health Insurance Defined](https://www.delta4benefits.com/health-insurance-defined/): 13 plain-English answers to common health insurance questions
- [Insurance Glossary](https://www.delta4benefits.com/glossary/): definitions of common health insurance terms
- [Contact](https://www.delta4benefits.com/contact/): request a quote

## Common questions answered on this site
- [What is a deductible and how does it work?](https://www.delta4benefits.com/health-insurance-defined/#q1)
- [What is coinsurance?](https://www.delta4benefits.com/health-insurance-defined/#q2)
- [What are co-pays?](https://www.delta4benefits.com/health-insurance-defined/#q3)
- [Do I have to meet my deductible before insurance will pay when I see my doctor?](https://www.delta4benefits.com/health-insurance-defined/#q4)
- [What is 'out-of-pocket maximum'?](https://www.delta4benefits.com/health-insurance-defined/#q5)
- [What is a network?](https://www.delta4benefits.com/health-insurance-defined/#q6)
- [What's the difference between a Primary Care Physician (PCP) and a specialist?](https://www.delta4benefits.com/health-insurance-defined/#q7)
- [What is a pre-existing condition?](https://www.delta4benefits.com/health-insurance-defined/#q8)
- [Can a pre-existing condition prevent me from getting health insurance?](https://www.delta4benefits.com/health-insurance-defined/#q9)
- [What if I'm currently pregnant?](https://www.delta4benefits.com/health-insurance-defined/#q10)
- [What is an HMO?](https://www.delta4benefits.com/health-insurance-defined/#q11)
- [What is a PPO?](https://www.delta4benefits.com/health-insurance-defined/#q12)
- [What is the main difference between an HMO and a PPO?](https://www.delta4benefits.com/health-insurance-defined/#q13)