All-In-Cost depends heavily on the amount and type of healthcare services you utilize. This is what the Healthcare Levels page on the Zorro platform is designed to help you estimate. By selecting the level of care that best matches your anticipated needs, you will allow Zorro to understand how different health plans will impact your overall costs and recommend the most cost-effective options.
What are the different levels?
Essential:
Assumes basic healthcare needs, such as occasional visits to a Primary Care Physician (PCP) and limited use of prescriptions or lab services. This option is best for those with few medical concerns and limited healthcare usage.
Moderate:
Suitable for individuals or families who foresee needing a moderate level of medical care without expecting frequent hospitalizations or complex procedures. This might include routine PCP visits, occasional specialist consultations, and possibly an urgent care or emergency room visit.
Above Average:
Covers more frequent use of services, including regular visits to PCPs and specialists, use of urgent care or emergency services, and potential hospital stays. It’s suited for individuals with ongoing medical conditions or families with a higher likelihood of needing more comprehensive care.
Extensive:
Involves frequent medical appointments, specialist care, multiple hospitalizations, and a higher need for prescription medications, including preferred brand or specialty drugs. This level provides the most comprehensive coverage for those with complex medical needs or chronic conditions.
What do each of the services mean?
PCP Visits: Regular visits to your Primary Care Physician for general health management.
Specialist Visits: Appointments with medical specialists, such as cardiologists or dermatologists, for specific healthcare concerns.
Urgent Care/Emergency Room Visits: Access to immediate care services, either through an urgent care clinic or an emergency room.
Lab or Imaging: Medical tests and imaging services, such as blood tests, X-rays, or MRIs,.
Small Hospitalization or Procedure: Short hospital stays or medical procedures that do not require extensive recovery.
Large Hospitalization or Procedure: Major surgeries or extended hospital stays involving complex medical care.
Generic Prescriptions: Medications that are typically less expensive and are the generic equivalent of preferred brand drugs.
Preferred Brand/Specialty Prescriptions: Higher-cost medications that are produced by a well-known brand or specialized for complex health conditions.
Customizing for Family Members:
The Zorro platform allows you to select different healthcare levels for each family member based on their individual situation. You can navigate through the tabs at the top of the page to choose a specific healthcare level for each individual. If you prefer to apply the same level of care to all family members, you can check the “Apply this level to remaining family members and continue” box.