What is Zorro?
Zorro partners with your employer to provide personalized medical insurance through our benefits platform. We help you:
Navigate plan selection with ease
Find coverage that fits your specific needs
Handle all payment processing
View all available insurance options in your area
Use smart AI technology to recommend the best matches
Access licensed enrollment specialists for personalized guidance
How Zorro's Smart Technology Works
Our platform uses artificial intelligence to personalize your plan search. The system analyzes multiple factors to identify the most suitable plans from all available options:
Your current doctors
Your medications
Expected costs
Your personal preferences
Getting Started
Step 1: Log In and View Your Allowance
When you first log into Zorro, you'll immediately see your monthly allowance amount displayed on your dashboard. This is the amount your employer provides to help cover your health insurance premiums.
Step 2: Get Help from an Enrollment Specialist (Optional)
If you'd like personalized assistance before starting your search:
Click "View instructions" from your main dashboard
Schedule a 30-minute consultation with a licensed insurance specialist
Get expert guidance through the entire selection process
Step 3: Start Shopping for Plans
Click "Get Started" to begin shopping for your health insurance plan.
Completing Your Profile
1. Household Information
The platform pre-populates some information from your employer:
Name
Date of birth
Address
You'll need to add:
Social Security number
Citizenship status
Marital status
Any other required fields
Spouse and dependent information (if applicable)
2. Selecting Your Expected Level of Care
Choose the healthcare usage level that best describes your needs. This helps our AI identify suitable plans for you:
Essential
Annual physical check-up
Routine care only
Moderate
Occasional doctor visits
Minor procedures
Above Average
Regular specialist visits
More frequent medical needs
Extensive
Chronic conditions
Frequent medical care needed
Important: These selections guide our recommendations but don't limit your actual healthcare usage.
3. Adding Your Doctors and Medications
Doctors
Enter your current doctors
The system automatically geo-locates doctors based on your address
Include all specialists you see regularly
Medications
Enter all current medications
Include both brand names and generic names
Example: Enter both "Ozempic" and "semaglutide"
Plans may cover one version but not the other
4. Setting Your Preferences
You'll be asked what factors are most important when choosing your medical plan:
Select up to three of the following factors:
Keeping your current doctors
Ensuring your medications are covered
Having specialist access without referrals
Low deductible
Low out-of-pocket costs
Arrange your selections by order of importance (highest to lowest priority)
This information helps our AI identify your best match plan.
Understanding Your Plan Options
Plan Information Display
Each plan shows key information:
Monthly premium
Your cost after employer allowance
Annual deductible
Out-of-pocket maximum
Doctor coverage status
Medication coverage status
Three Viewing Options
Best Match: Highlights the single plan optimized for your stated priorities
All-In Cost Plans: Sorts all plans by their total expected costs
All Plans: Shows the complete list of every available plan
Using Filters
You can filter plans by:
Insurance carrier
Metal tier (Bronze, Silver, Gold, Platinum)
Network type
HSA eligibility
AI Assistant
An AI assistant is available throughout your plan selection process to answer any questions you may have. Simply click on the assistant icon to get help.
Selecting and Confirming Your Plan
1. Important Verification Step
Always verify doctor acceptance: Even if a plan shows your doctor is covered, we recommend:
Call your doctor's office directly (not the insurance carrier)
Ask specifically about the individual plan you're considering
Don't just ask about the carrier - confirm the specific plan name
2. Making Your Selection
Click the radio button in the top right corner of your chosen plan
Click "Confirm" to proceed
3. Review Your Plan Summary
Carefully review all details including:
Who is covered (you, spouse, dependents)
Your monthly contribution amount
Coverage effective dates
Other plan specifics
Once reviewed, click "Submit"
4. Final Confirmation
Enter your full name
Review and agree to the medical elections consent
Click to finalize your submission
Medicare Users
If You're Medicare Eligible
When you attempt to select a plan on Zorro, you'll be presented with a special Medicare screen.
First-Time Medicare Enrollment
If you're enrolling in Medicare for the first time:
Click "I need help selecting a Medicare plan"
Connect with our Medicare specialists
Important payment note:
You must use your personal credit card (not Zorro Pay cards)
Upload your plan's premium documentation
Receive reimbursement directly through payroll
Already Have Medicare?
Simply upload your current Medicare plan documentation to receive reimbursement.
After You Submit
Once you've submitted your plan selection:
You'll receive a confirmation email
Zorro handles the enrollment process with the carrier
Watch for any additional emails requiring action
Your coverage will begin on the date specified in your plan summary
Need Help?
Contact Zorro support at: [email protected]
We're here to help ensure you find the coverage that best fits your needs. Happy shopping!