Zoop Benefits FAQs
How to Save Money on Healthcare
Cost and Savings
How much does Zoop Benefits Cost?
Zoop Benefits is FREE to the Employer through a payroll deduction tax credit, similar to what is created for other health insurance, flexible spending accounts, 401(k)s, etc the benefit is funded.
The employer does not pay either! Instead, they recieve a bit of a tax savings as they are not having to match the Medicare and Medicaid withholding and may even save a little in other taxes and insurance. Typically, companies save between $500 and $1,000 per employee annual to offset other benefits expense or add it to the bottom line.
How can it be FREE? It's not technically! It is funded by a payroll tax credit.
It has a ZERO net cost to both the Employer and to the Employee for their entire family.
Through a pre-tax payroll deduction, the realized savings is used to fund both the plan and the guaranteed issue, whole life insurance premium.
By utilizing the Zoop Benefits app, the employees are engaging in real-time monitoring of vital statistics by AI and medical professionals. For that, they make a claim against their plan to receive the same amount as the deduction.
How can Zoop Benefits impact health insurance premiums?
High employee utilization of traditional health insurance—especially for preventive care, prescriptions, and lab work—drives up premiums year after year. Zoop Benefits disrupts this cycle by providing unlimited access to these very services, directly and without restrictions. This drastically reduces utilization of traditional insurance, leading to premium decreases of at least 7% annually for most employers, with even greater savings potential for partially or fully self-insured companies.
How do agents of Zoop Benefits get paid if it's Zero Cost for the Employee and Employer?
Super simple, the benefit is not free. It is paid for by a payroll tax credit. The agents are paid a commission on the $80-$135 monthly health plan and app and a one time annual commission on the guaranteed issue, whole life insurance policy.
How does Zoop Benefits make a difference
How does Zoop Benefits keep hospitals and other medical providers accurate and honest?
Keeping Hospitals and Providers Honest: Zoop Benefits doesn't directly control hospitals or providers, but it helps you be a more informed consumer. The app provides user reviews and ratings of providers, similar to how you might choose a restaurant online. This can help you choose trustworthy and reliable care.
Tackling Hidden Costs:Traditional healthcare can be like a maze with hidden fees and surprise bills. Zoop Benefits aims to simplify things. The app offers clear pricing upfront for many services. This way, you know exactly what you'll be paying before you receive care.
Boosting Competition: Zoop Benefits connects you with a wide network of healthcare providers. This competition can drive better pricing and quality. Providers vie for your business, so they're more likely to offer competitive rates and excellent service.
Empowering You with Knowledge: Zoop Benefits isn't just about appointments and prescriptions. The app offers educational resources about preventive care, understanding your health data, and navigating the healthcare system. The more you know, the better decisions you can make about your health.
What makes the Zoop Benefits plan different from traditional health insurance?
Unlike traditional insurance plans, Zoop Benefits cuts out most of the middlemen. This means lower costs for you and direct access to healthcare services. You can even get most services with $0 copays and $0 deductibles.
Instead, of using your traditional health insurance, paying co-pays, deductibles, and increasing costs for the insurance companies you'll be saving money and saving the company's plan money as well. Year over year, we typically see traditional health insurance premium go down by up to 7% annually. The more you and your coworkers use your traditional plan instead, the more the insurance company typically increases the premiums.
How does the Zoop Benefits plan help with high deductibles and out-of-pocket expenses?
Zoop Benefits helps bridge the gap by offering services with no copays and no deductibles.. This means you'll pay Zero Out-Of-Pocket (Z.O.O.P.), even if you have a high deductible in your traditional plan. It's a great way to save money on healthcare costs.
Your traditional plan will still be there for major medical, surgeries, etc with deductibles and co-pays. Most employees eliminate over 50% of the usage of their traditional insurance and save a small fortune.
How does Zoop Benefits empower families to take control of their health?
Zoop Benefits is like a super helpful friend who cares about your health. It gives you tools and information to stay on top of your health. You can track things like your heart rate, how much your heart rate changes, how much oxygen is in your blood and even your mood.
It also helps you find the best doctors and urgent care centers to take care of you.
Zoop Benefits is all about staying healthy and catching problems early. It helps you take charge of your health by giving you the tools you need to stay on top of things.
Mobile & Web Application
What is the app?
The app is an all-in-one health and wellness platform designed to provide better care, quicker access, and the lowest price for healthcare services. It empowers employees to manage their health proactively.
It's like having a doctor, pharmacy, lab, and mental health professional right in your pocket that you can use at anytime with ZERO cost. Think of it as your personal health superhero! It's a special app that helps you stay healthy and happy AND save money.
You can use it to find doctors and therapists, schedule appointments, and even get medicine.
Do I have to use the app?
Not at all; however, it is much easier to complete facial analysis scans with the mobile app than with a webcam.
How to access from any phone (protip - save the phone number now):
Call: 833-670-0887 press 1 and then the number for the service you require:
Virtual Primary Care and Virtual Urgent Care
Telecounseling
Hospital Bill Eraser, Money Map, Care Navigation
Labs/Blood Work (Quest Select)
Prescription Medications
In Person Urgent Care
How does the app help me get and stay healthy?
The app is like a magic mirror that shows you how healthy you are. It can track things like your heart rate, heart rate variability, stress level, and blood oxygen levels. It also helps you find the best doctors, therapists, pharmacies to take care of you, and helps keep hospitals accurate and honest with their billing.
Can I use the app to find a doctor, therapist, and urgent care center?
Absolutely! The app has a directory of over 650 U.S. board certified doctors including specialist and primary care. Mental health services are initial triaged by a licensed medical doctor who provides a referral to a licensed mental health professional.
How: Simply click the "I Need" button in the app and you can choose Virtual Primary Care, Virtual Urgent Care, TeleCounseling, In-Person Urgent Care, which will start a call to your Care Navigation and our team will help you find the best provider 24/7/365.. Your member info will be under Your "Membership Card" in the app.
Remember: The Zoop Benefit's mobile and web app is your go-to for all things health. It's like having a personal health assistant right at your fingertips!
Can I get medicine through the app?
Yep! The app can help you find the best prices for your non-generic prescriptions, get your generics filled locally for free. You can even have your medicine delivered right to your door.
Our list of FREE meds include over 1,000 generic options including acute and chronic medications. We'll also source great discounts on non-generics, and even shop your local pharmacies to find the best price.
How: Simply log into the app, click the "I Need" button and choose medications. Your member info will be under Your "Membership Card" in the app.
Vitals Scanning
What is facial analysis?
A non-invasive, pain free solution that uses a smartphone or web camera to take a snapshot of your vitals signs.
How does facial analysis work?
Your device's camera looks at tiny color changes under your skin to find out your health information in real-time. The app uses something called remote photoplethysmography technology (rPPG) and AI to do this accurately measure vitals. The AI helps make sure that things like moving around or different lights aren't disruptive.
How to create the best scans?
Device
Ensure battery level is above 20% and not in power-save mode.
Ensure your camera lenses are clean and unscratched.
Place the device on a stand about 12” away from your face.
Position the device with the selfie camera at eye level and parallel to the face.
You
Sit still during the measurement.
Ensure your feet are placed flat on the floor.
Make sure your face is fully exposed, ensuring it is not covered by hair or accessories (i.e., mask, sunglasses, hat).
Avoid moving or talking throughout the measurement and remain focused on the screen until the measurement is complete.
Around You
Ensure your face is evenly illuminated.
Avoid measuring in locations with multiple light sources (preferably a single light source directed towards the face).
Settle into a position where no light sources are directed toward the camera (e.g., by sitting against a wall).
Ensure neither the camera nor the area in the frame is exposed to direct sunlight.
Avoid movement of other persons behind or within your vicinity.
Avoid highly reflective objects in the surrounding area, including mirrors, glass windows, tables, etc.
How often do I need to take a facial scan?
More is definitely better...daily if possible; however, weekly is the minimum expectation.
To keep your insurance benefits, portable, whole life insurance, and guaranteed issue, you'll need to scan your health data weekly. This means using the tools and resources we provide to track your health every week. The extra information will help your doctor give you the best advice and might even catch problems before they become serious.
What if I miss a weekly scan?
No worries, make it up whenever you can and set a reminder on your calendar or mobile device to remember next week.
Scans are necessary to meet the requirement of the benefit AND provide the best information for you to be proactive about your health, reduce healthcare expenses, and keep your other premiums as low as possible.
$0
COST FOR EMPLOYEE
AND FAMILY*
$500
AVERAGE ANNUAL SAVINGS FOR
EMPLOYER PER EMPLOYEE*
$253
Average Benefit Increase
Monthly to the Employee
*Through Payroll Withholding Savings.
How the Employer Benefits
Healthcare System Problems
Health insurance is ridiculously expensive with ever increasing costs
Care dictated by big insurance, hospitals, and pharma
Lack of transparency
Reactive care is expensive
Difficult to compete with enterprise level benefits
Zoop's Revolutionary Solution
NO-cost Investment to empower employees and reduce health insurance utilization and cost
Direct access to top-tier providers nationwide
Zero copays and deductibles on almost all benefits
Proactive healthcare is cheap
Easy to outperform enterprise level benefits
Level Up Your Benefits with Zoop Benefits
Boost Your Bottom Line: Save on average $500 per employee annually to cover the cost of other benefits.
Reduce Your Costs: Lower costs in worker's compensation, health insurance, absenteeism, and disability claims.
Enhance Benefits: Attract and retain great employees by offering a more attractive benefits package without additional expenses.
Win-Win Solution: Gain cost savings while providing valuable benefits to your employees.
Zoop Benefits
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2660 East Diamond Avenue, Mesa AZ 85204