Copay & Savings Programs

Aevum Zenth's integrated benefits framework reduces out-of-pocket healthcare costs through transparent pricing, tiered copay structures, and automated savings allocation across our global provider network.

Program Overview

Co-developed by Zenth Health Sciences and Aevum Capital Group, our Copay & Savings Programs eliminate cost uncertainty for employees, retirees, and eligible patients. By leveraging cross-divisional infrastructure, we negotiate direct rates with 14,000+ facilities, pharmacy chains, and diagnostic centers worldwide.

Employee & Dependent

ZenthCare Plus

Zero-deductible primary care, fixed copays for specialists, and 85% coverage on preventive screenings. Includes mental health and telemedicine access.

Retiree & Long-Term

ZenthBridge

Capped annual out-of-pocket limits, chronic condition management subsidies, and lifetime coverage guarantees for qualifying retirees.

Patient Assistance

ZenthAccess

Income-verified sliding scale copays, prescription drug savings cards, and emergency care cost protection for uninsured eligible populations.

How Enrollment Works

Our unified claims and benefits platform streamlines verification, allocation, and usage tracking in four steps:

1

Eligibility Verification

Identity and employment/patient status verified through Aevum's secure IAM portal in under 90 seconds.

2

Plan Selection

Choose tier coverage, dependent add-ons, and pharmacy networks via the Zenth Benefits Dashboard.

3

Digital ID Activation

Receive instant access to your virtual membership card and savings wallet across mobile and web.

4

Direct Billing

Present ID at checkout. Copays are processed instantly; savings are auto-allocated to your care account.

Savings Structure & Copay Tiers

All rates are guaranteed for 12 months following enrollment. Savings apply to in-network facilities and verified telehealth providers.

Service Category Standard Copay With Zenth Savings Avg. Annual Savings
Primary Care Visit $75 $15 $2,100+
Specialist Consultation $150 $45 $1,350+
Preventive Lab Work $120 $0 Fully Covered
Prescription (Brand) $210 $55 $1,860+
Urgent Care $185 $60 $990+

Frequently Asked Questions

Are out-of-network providers covered?
Out-of-network care is covered at a reduced savings rate (typically 40-60% of standard program discounts). We strongly recommend using our 14,000+ in-network partners to maximize benefits and avoid balance billing.
Can I roll unused savings into the next plan year?
Yes. Unused savings credits automatically roll over up to $2,500 annually. Premium tiers allow unlimited rollover for long-term care planning.
How quickly is the digital ID issued?
Instantly. Once eligibility is confirmed and plan details are submitted, your virtual card activates within the Zenth mobile app and member portal. Physical cards ship within 5-7 business days.
Is mental health and therapy included?
Absolutely. All tiers include 20 monthly therapy sessions, psychiatric consultations, and digital mental health platform access at standard copay rates. No prior authorization required.

Ready to Activate Your Savings?

Enroll online in under 5 minutes or contact our benefits specialists for personalized plan configuration.

Start Enrollment → Contact Benefits Team