Zoop Benefits FAQs
How to Save Money on Healthcare
Cost and Savings
How much does Zoop Benefits Cost?
Zoop Benefits is ZERO net cost to the employee through payroll tax savings, similar to what is created for other health insurance, flexible spending accounts, 401(k)s, etc.
The employer does not pay out of pocket 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 around $500 per employee annually 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 redirecting tax savings.
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 employees Tax Free Retirement plan (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 annually for most employers, with even greater savings potential level funded and 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 payroll tax savings. The agents are paid a commission on the admin fee and 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. Our team seeks out 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.
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 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. Some employers eliminate over 40% 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.
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.
$0
NET COST FOR EMPLOYEE
AND FAMILY*
$183
AVERAGE EMPLOYER FICA TAX SAVINGS PER EMPLOYEE PER YEAR
$50,000
AVERAGE GUARANTEED ISSUE LIFE INSURANCE POLICY DEATH BENEFIT
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
Zero Out of Pocket (ZOOP) 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 $183 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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