Excellent. Employee Benefits Consultants and Broker to help employers obtain the best Group Medical, Life, and Pension programs for their employees. zintaxconsulting.com Hogar Acerca de Misión Servicios Testimonios Definiciones y documentos Contacto Z I N T A X C O N S U L T I N G Employee Benefits Specialists and Broker Certified Medicare + ACA Ayudar a las entidades comerciales a seleccionar, contratar y gestionar los programas grupales más completos de seguro médico, de vida, dental, de visión y de pensión para sus empleados. ZINTAX CONSULTING Nuestros servicios Nos centramos en las necesidades de nuestros clientes, no en nuestros productos o servicios. Nuestra misión es anticiparnos a las necesidades de su negocio, en lugar de reaccionar a ellas. Nuestra alianza con las aseguradoras más confiables nos permite ofrecer programas que satisfacen las demandas de nuestros clientes y se ajustan a sus limitaciones presupuestarias. Beneficios para empleados Grupo Médico Grupo Dental Grupo Visión Grupo Planes de Pensiones ¿Por qué elegirnos? Más de 25 años de experiencia Servicio personal y confiable Con licencia del estado de Florida Clientes satisfechos que ofrecen testimonio Fuerte relación con las principales compañías de seguros Adhesión a estrictos principios éticos de honestidad e integridad, colocando siempre los intereses de nuestros clientes por encima de los nuestros.

WHY IS HEALTHCARE SO EXPENSIVE IN THE UNITED STATES Special interests have shifted the healthcare debate. They focus on delivery methods like single-payer and private insurance, not on costs. The United States spends more on healthcare than any other developed country. We devote 18% of our Gross Domestic Product to it. Germany, Australia, and Switzerland spend under 10%. In 2023, United States healthcare spending hit $14,570 per person, doubling Canada’s $7,013. We also outspend wealthy European nations, with Switzerland at $9,688 and Germany at $8,444. The EU average is $2,697. The United States pays much more for hospital stays. We spend $4,500 per person, while Canada spends only $1,352, despite shorter stays and fewer services. Americans face the highest prescription drug prices. We spend approximately $1,450 each year per person, while Europe has an average of $350. Our drug costs are 36% higher than Germany’s and more than double the OECD average. What can we do to fix this? Prescription Drugs. Congress allows drug companies to charge more in the United States than in Canada or Mexico. This "price discrimination" helps cover costs here while keeping prices lower elsewhere. Solution: Congress should legislate to require drug companies to charge the American consumer the same as the rest of the world. Doctor Fees. In 2023, doctor fees made up about 20.1% of total health spending in the U.S., compared to around 14% in Canada. After six years, family medicine doctors earn about $200,000. In contrast, urologists make around $400,000. Other developed countries do not match this pay. A routine visit in the United States costs insurers $89 on average, while it is $64 in Switzerland and $23 in France. For a normal birth, United States doctors earn $3,390, while in France, it is $449. Solution: Congress should legislate to set up a relative value fixed payment system. This system would depend on the location and the quality of services. Hospital Services. Hospital costs are rising at a rapid pace, especially in not-for-profit hospitals. Their markups can be ten times what Medicare pays. For-profit hospitals also have high markups. CEOs, like Universal Health Services' Alan Miller, earn millions, with last year’s pay over $51.3 million. Profits are fine, but this is out of control. Solution: Congress should legislate to set up a relative value fixed payment system. Payment for services can be according to quality and location. Frivolous Liability Lawsuits. Many doctors still practice defensive medicine, even though things are getting better. The consumer at the end of the day pays the prohibitive cost of malpractice insurance. Selling health insurance across state lines. Competition would lower premiums, but it faces resistance from insurance companies since it will reduce their profits. Francisco Cabreja Zintax Consulting Why is healthcare so expensive in the United States

Services Zintax Consulting concentrates on the needs of our clients and their employees, not on the products offered. It is our mission to anticipate rather than react to the employer-employee relationship. Our working alliance with the most reliable benefit providers allows us to offer programs that meet the employee demand with careful consideration of budget limitations. ​ Servicios C O N S U L T I N G Z I N T A X Zintax Consulting focuses on the needs of our clients rather than the products and services we offer. It is our mission to anticipate rather than react to our clients' requirements. Employee Benefits: Group Health Insurance, Group Life Insurance, Group Dental and Vision Benefits International Group Coverage, and Retirement and Pension Benefits Vamos a conectarnos

Glossary Medical Insurance Allowed Amount This is the maximum payment the plan will make for a covered healthcare service. It may also be called "eligible expense," "payment allowance," or "negotiated rate." Claim A request for a benefit (including reimbursement of a health care expense) made by you or your health care provider to your health insurer or plan for items or services you think are covered. Coinsurance Coinsurance is a cost-sharing arrangement in health insurance where the insured individual is responsible for a percentage of covered medical expenses after meeting the deductible. After the deductible is satisfied, the insurance company and the insured share the costs of covered services according to the coinsurance percentage. For example, if the coinsurance is 20% and the medical service costs $1,000, the insured would pay $200 (20% of $1,000) while the insurance company would cover the remaining $800. Coinsurance helps individuals share the financial responsibility of healthcare expenses with the insurance company and can vary based on the specific health insurance plan and the services received. Copay A copay is a fixed out-of-pocket amount an insured pays for covered services. It is a standard part of many health insurance plans. Insurance providers often charge co-pays for services such as doctor visits or prescription drugs. Cost Sharing Your share of costs for services that a plan covers that you must pay out of your own pocket (sometimes called “out-of-pocket costs”). Some examples of cost-sharing are copayments , deductibles , and coinsurance . Family cost sharing is the share of the cost for deductibles and out-of-pocket costs you and your spouse and/or child must pay out of your own pocket. Other costs, including your premiums , penalties you may have to pay, or the cost of care a plan doesn’t cover, usually aren't considered cost-sharing. Deductible Deductible is a term you might have heard about your health insurance costs. But what exactly is a deductible? Here is what it means: Your annual deductible is typically the amount of money you, as a member, pay out of pocket each year for allowed amounts for covered medical care before your health plan begins to pay. This excludes certain preventive services that may be automatically covered. Deductibles can be high or low, depending on your project, which may affect how you pay for health care costs. What is an embedded deductible? The first is an embedded deductible, meaning that there are two deductible amounts within one plan: single and family. The single deductible is embedded in the family deductible, so no one family member can contribute more than a single amount toward the family deductible. Diagnostic Test Tests to figure out what your health problem is. For example, an x-ray can be a diagnostic test to see if you have a broken bone. Embedded Deductible An embedded deductible is where each family member has an individual deductible in addition to the overall family deductible. When a family member meets his or her deductible before the family deductible is reached, the insurance company will begin paying according to the plan’s coverage for that member. If only one family member meets an individual deductible, the rest of the family still has to pay their deductibles. Out-of-pocket expenses used to meet a separate deductible are counted toward meeting the family deductible, which is usually twice as large as an individual deductible. However, after an individual completes his or her deductible, coinsurance or copays typically will not count toward the family deductible. Once the family deductible is met, all family members will have medical expenses paid according to the plan’s coverage, even if they have not met their deductibles. The POS 1000, POS 750, and the OOA POS 750 have an embedded deductible. Embedded Deductible Example: The Lee family has the POS 1000 plan that covers Mr. and Mrs. Lee and their two children. Each family member has a $1,000 individual deductible, and they have a $2,000 family deductible. Mr. Lee met his $1,000 deductible after attending the emergency room in February. Mrs. Lee had an outpatient surgery and met her $1,000 individual deductible in March, which means the family deductible of $2,000 has now been met. The insurance company will cover any further medical care for anyone in the family according to the plan benefits. Emergency Medical Condition An illness, injury, symptom (including severe pain), or condition severe enough to risk serious danger to your health if you do not get medical attention right away. If you did not get immediate medical attention, you could reasonably expect one of the following: 1) Your health would be put in serious danger, or 2) You would have serious problems with your bodily functions, or 3) You would have serious damage to any part or organ of your body. Emergency Medical Transportation Ambulance services for an emergency medical condition . Types of emergency medical transportation may include air, land, or sea. Your plan may not cover all emergency medical transportation or pay less for certain types. Emergency Room Care / Emergency Services Services to check for an emergency medical condition and treat you to keep an emergency medical condition from getting worse. These services may be provided in a licensed hospital’s emergency room or other place that provides care for emergency medical conditions . Excluded Services Health care services that your plan does not pay for or cover. Formulary A formulary is a list of drugs your plan covers. It may include how much your share of the cost is for each drug. Your plan may put drugs in different cost-sharing levels or tiers. For example, a formulary may include generic and brand-name drug tiers and different cost-sharing amounts will be applied to each tier. Habilitation Services Health care services help a person learn or improve skills and functioning for daily living. Examples include therapy for a child not walking or talking at the expected age. These services may include physical and occupational therapy, speech-language pathology, and other services for people with disabilities in various inpatient and/or outpatient settings. Hospice Services Services to provide comfort and support for persons in the last stages of a terminal illness and their families. Hospitalization Care in a hospital that requires admission as an inpatient and usually requires an overnight stay. Some plans may consider an overnight stay for observation as outpatient care instead of inpatient care. Hospital Outpatient Care Care in a hospital that usually does not require an overnight stay. In-network Coinsurance Your share (for example, 20%) of the allowed amount for covered health care services. Your share is usually lower for in-network covered services. In-network Copayment You pay a fixed amount (for example, $15) for covered health care services to providers who contract with your health insurance or plan . In-network copayments usually are less than out-of-network copayments . Maximum Out-of-pocket Limit The federal government sets a yearly amount that each individual or family can be required to pay in cost sharing during the plan year for covered, in-network services. This amount applies to most types of health plans and insurance. It may be higher than the out-of-pocket limits stated for your plan . Network Provider (Preferred Provider) A provider with a contract with a health insurer or plan has agreed to provide services to plan members. You will pay less if you see a provider in the network , which is also called “preferred provider” or “participating provider.” Out-of-network Coinsurance Your share (for example, 40%) of the allowed amount for covered health care services to providers who do not contract with your health insurance or plan . Out-of-network coinsurance usually costs you more than in-network coinsurance . Out-of-network Copayment You pay a fixed amount (for example, $30) for covered healthcare services from providers who do not contract with your health insurance or plan . Out-of-network copayments are usually higher than in-network copayments . Out-of-network Provider (Non-Preferred Provider) A provider who does not have a contract with your plan to provide services. If your plan covers out-of-network services, you will usually pay more to see an out-of-network provider than a. Your policy will explain what those costs may be. It may also be called “non-preferred” or “non-participating” instead of “out-of-network provider”. Out-of-pocket Limi t The most you could pay during a coverage period (usually one year) is your share of the costs of covered services. After you meet this limit, the plan will usually pay 100% of the amount allowed. This limit helps you plan for health care costs. This limit never includes your premium , balance-billed charges, or health care your plan does not cover. Some plans do not count all of your copayments , deductibles , coinsurance payments, out-of-network payments, or other expenses toward this limit. See a detailed example. Physician Services Health care services a licensed medical physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), provides or coordinates. Plan Health coverage issued to you directly (individual plan) or through an employer, union, or other group sponsor (employer group plan) that provides coverage for certain health care costs is also called a "health insurance plan," "policy," "health insurance policy," or "health insurance." Preauthorization Preauthorization is a decision by your health insurer or plan that a health care service, treatment plan, prescription drug, or durable medical equipment (DME) is medically necessary. It is sometimes called prior authorization, prior approval, or precertification. Your health insurance or plan may require preauthorization services before you receive them, except in an emergency. Preauthorization does not guarantee that your health insurance or plan will cover the cost. Prescription Drugs Drugs and medications that, by law, require a prescription. Preventive Care (Preventive Service) Routine health care, including screenings , check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems. Primary Care Physician A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), who provides or coordinates a range of healthcare services for you. Primary Care Provider A physician, including an M.D. (Medical Doctor) or D.O. (Doctor of Osteopathic Medicine), nurse practitioner, clinical nurse specialist, or physician assistant, as allowed under state law and the terms of the plan , who provides, coordinates, or helps you access a range of health care services. Provider An individual or facility that provides health care services. Some examples of providers include a doctor, nurse, chiropractor, physician assistant, hospital, surgical center, skilled nursing facility, and rehabilitation center. The plan may require the provider to be licensed, certified, or accredited, as state law requires. Referral A written order from your primary care provider to see a specialist or get certain health care services. In many health maintenance organizations (HMOs), you need a referral before you can get health care services from anyone except your primary care provider . The plan may not pay for the services if you do not get a referral. Specialist A provider focuses on a specific area of medicine or groups of patients to diagnose, manage, prevent, or treat certain symptoms and conditions. UCR (Usual, Customary, and Reasonable) The amount paid for a medical service in a geographic area is based on what providers in the area usually charge for the same or similar medical service. The UCR amount is sometimes used to determine the allowed amount . Urgent Care Care for an illness, injury, or condition serious enough that a reasonable person would seek care right away but not so severe as to require emergency room care .

​Our School has been very pleased with the services received from Zintax Consulting during the past 10 years. They have great customer service and years of experience. I highly recommend Zintax Consulting. Manny Rodriguez Comptroller and Administrative Manager Gladeview Christian School Testimonios It has truly been a blessing to have Zintax and Francisco as our insurance brokers. I appreciate his calm, professional assistance through what could have been a very complicated and daunting experience. He is always respectful and courteous, quick to respond to calls, and offering expert advice. If you are looking for an honest professional to help with the complexity of health insurance, please consider calling Zintax and Francisco Cabreja. Patricia Stango Administrative Manager Cutler Ridge Christian Academy Testimonials We have been customers of Zintax and Francisco Cabreja for eight years, and he has always conducted his work with excellence! Year after year, his patience and understanding have never wavered. It does not matter the size of the problem; Francisco treats every situation with the utmost priority. He is always willing and able to help with our health insurance inquiries, issues, and training. We love working with him since he understands our business well. We highly recommend Francisco Cabreja and Zintax to anyone who needs an employee benefits specialist and insurance broker on their side. Adolfo Suarez, Executive Director Iglesia Doral Jesus Worship Center, Inc. 9000 NW 15th Street Doral, FL 33172 Our school has been very pleased with the services received from Zintax during the past 10 years. They have great customer service, and Francisco Cabreja brings years of experience as a specialist and broker in all areas related to employee benefits. I highly recommend Zintax to anyone looking to understand what type of employee benefits programs best fit their company’s needs. Manny Rodriguez Comptroller Gladeview Christian School 305-551-6143 ext.1017 mrodriguez@gladeview.org

Excellent Employee Benefits Consultants and Brokers Hogar Acerca de Misión Servicios New Page Testimonios Definiciones y documentos Contacto Search Results More Z I N T A X C O N S U L T I N G Zintax es una empresa independiente especializada en beneficios para empleados y corredora de seguros, con licencia en el estado de Florida, fundada para satisfacer las necesidades de nuestros clientes. Nuestro director, Francisco Cabreja, cuenta con treinta años de experiencia empresarial como director ejecutivo, gestionando la Región del Caribe de American International Group y otras actividades corporativas. Francisco Cabreja Consultor jefe Francisco Cabreja Consultor jefe Francisco Cabreja se incorporó a American International Group como gerente de la División de Gestión del Grupo del Caribe Occidental de dicha entidad, brindando beneficios a empleados de numerosas empresas locales y multinacionales. Posteriormente, fue nombrado director ejecutivo de American International Companies en el Caribe. Después de una larga carrera en AIG, Francisco se mudó a Miami, Florida, donde estableció Zintax en 2008 para ofrecer su experiencia a las empresas de ese estado. Además de sus logros empresariales, organizó y presidió la Coalición por la Calidad de Vida de Coconut Grove en Miami, Florida, abogando por la comunidad contra prácticas y regulaciones injustas. Se desempeña como tesorero y miembro de la junta directiva de la Escuela Cristiana Gladeview y del ministerio de la iglesia. Francisco habla español, francés e inglés con fluidez.

Our mission is to provide our clients the tools to make intelligent decisions in order to choose and administer employee benefit plans that are within budgetary limitations and in full compliance with the law. We strive to serve not simply sell products, and always anticipate rather than react to the employer-employee relationship. Misión Nuestra misión es brindar a los clientes las herramientas y el conocimiento para tomar decisiones inteligentes para elegir y administrar los programas de beneficios para empleados más completos que satisfagan sus necesidades. Experiencia en la industria Nuestros años de experiencia nos permiten guiar a nuestros clientes a tomar decisiones inteligentes en beneficio de sus requerimientos de negocio. Servicio personalizado El servicio personalizado es la esencia de nuestro modelo de negocio. Zintax es una entidad de servicios boutique con un número selecto de cuentas, lo que nos permite brindar un servicio individualizado y detallado a cada cliente.

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