Your Personal Health Assistant

Get the care you need for $0. No deductibles, no copay, no coinsurance. That's ZERO.

Plan Members

Get The Care You Need & Never Pay A Penny

ZERO plan members receive the care that they need for $0 out of their own pockets. On top of that, ZERO also provides members with a Personal Health Assistant who will help them find providers in their area, offer support along the way and help to simplify the process of getting the care that they need. We believe healthcare should be affordable, simple and personalized — and our 94 NPS score tells us that our members do too.

  • No copays. No deductibles. No coinsurance
  • Members gain access to a Personal Health Assistant who they can call, chat or email with
  • ZERO covers labs and imaging, colonoscopies, hernia repair, orthopedic surgery, physical therapy and so much more!
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"I love ZERO. Everyone that I call that works there are awesome. I wish my adult kids companies had this benefit."

Kelly J, ZERO Member

"I have always found it easy to use ZERO. I get fast answers and I think the service is great. The rep is always willing to help me anytime."

Elisa H, ZERO Member

"This was my 1st time using ZERO as one of my work benefit offerings and I was very pleased and surprised at how easy and pain-free it was to use."

Tim M, ZERO Member

Self-Funded Employers

Improve Your Benefits While Reducing Cost

ZERO has created a bundled-payment marketplace with providers who offer thousands of procedures at costs that are far below the typical allowed amounts — dramatically lowering the financial barriers to high-value care. We’ve seen overall savings as high as 50% — with the average sitting at about 44%.

  • Pay only a simple and transparent transaction fee
  • No setup costs, no PEPM, no hidden fees
  • Save money while offering an employee-retaining benefit
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Healthcare Providers

Focus More On Patients & Less On Administration

ZERO delivers an on-demand healthcare experience that is user-friendly and crazy simple. One that simplifies administration, delivers a world-class member experience and lets you say goodbye to all those accounts receivable. As a ZERO provider we match patients up with your services, and there’s no pre-authorization, you simply provide the care that the patient needs and we will cut you a check in as little as 10-days after for the contracted price.

  • No money to collect from members at the time of visit
  • Flexibility to only focus on the areas where you excel
  • Get paid quickly for your services with no surprises
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We’re in the midst of some serious shift right now.

Learn how we are accelerating the shift to the member-first economy by delivering the best combination of cost, quality and convenience.