Zero Deductibles

What if your plan actually started working the day you started paying for it? What if you didn't have to spend thousands in premium and thousands more out-of-pocket before the insurance company lifted a finger? Your deductible is zero. The day your coverage starts, Presidio starts paying. No deductible to chase. No bills piling up while you wait for the plan you're already funding to show up.

What do I pay with a zero dollar deductible?

Your plan starts sharing costs with you immediately. Whether you visit your primary care doctor on day one, need an emergency room visit, or require surgery during your first week of coverage, the plan is already at work.

Here's how the sharing works: Presidio pays 50% of every covered bill, and you pay 50%, all the way up to your Moop. We go halfsies. Once you hit your Moop, the plan picks up 100% for the rest of the year.

No deductible to chase. No waiting to feel the benefit. The plan is in your corner from day one.

Why does a zero dollar deductible matter?

Immediate Financial Protection. You don't have to choose between getting care and protecting your budget. Care is protected immediately.

Protection in Emergency Situations. Medical emergencies don't wait for you to meet a deductible. That burst appendix or car accident happens on day three of coverage. With Presidio, you're protected. No deductible means you're not facing a financial cliff when an emergency hits.

Reduced Stress About Timing. Worried about scheduling a necessary doctor's visit? Stressed that it might happen right after your coverage starts? With a $0 deductible, the timing doesn't matter. Coverage begins immediately.

Better Budgeting. You know exactly when your financial protection begins: day one. No mysterious threshold to reach. No calculating how much you need to spend before insurance kicks in. Your budget is simpler to manage.

Accident and Sickness policies have separate out-of-pocket maximums. Subject to limitations and non-covered services of the Policies. Pregnancy and maternity in the first year are subject to a separate pregnancy deductible.