Become A Hero

ZERO helps self-funded employers dramatically reduce medical costs by delivering a bundled-payment marketplace coupled with an amazing employee experience with $0 in out-of-pocket costs.

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ZERO has tremendously enhanced our compensation package. Great benefits AND savings for our employees and our company!

Sara C. | Miller Truck Lines
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ZERO provides excellent customer and client services, and a quick turn around and a no hassle claims process making it a win for our employees and my team.

Kelly C. | City of Broken Arrow
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Our employees love ZERO!
It’s been a game-changer for our employees.

Dianna D. | Muncie Power Products

Save Big On Care

You’ll only pay a transparent transaction fee every time we process a payment for care. No setup costs, no PEPM, no hidden fees. We see an average savings for employers of around 44% and as high as 50%.

How It Works


ZERO Price For Surgical Procedure Compared To $31,554 Legacy Pricing


ZERO Transaction Fee


Employer Payment To ZERO (Price + Fee)


27% Employer Savings Over Legacy Pricing

Gain Visibility Into Utilization & Costs

The Client Success team at ZERO stands beside you every step of the way to ensure your employees use ZERO providers and savings potential is maximized.

ZERO believes in transparency and created a technology platform to give you access to data and reports that help you make better purchasing decisions for healthcare.

  • Get insights on plan member utilization
  • See your annual savings and top category savings
  • Learn which services members are using the most

“ZERO has been a life (more like MONEY) saver for me! I was in shock at how easy the process was and how amazing and efficient the staff was. I was hesitant at first, but now I am sold and cannot wait to continue to promote it to the employees! I could not be happier to be a representative of such an impactful cost saving health program. Seems too good to be true!”

Katie R. HR Generalist | Power Solutions International (PSI)

Give Your Plan Members Access To The Member-First Economy

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!

See What Members Are Saying

Average Score:

"We love ZERO. It provides such a peace of mind during uncertain times of having to schedule diagnostic testing. ZERO allows me to take care of my family and focus on their health without worrying about all the unexpected expenses that come with hospital and outpatient billing from medical providers."

Sarah B, ZERO Member

"It has been easy and actually cost 0 dollars! I have told countless people and (understandably) they don't believe it. I want to promote it because I want others to get the treatment they need/deserve too. For me, I put off my medical needs for years in order to not deal with insurance companies. Not with ZERO!"

Zachary F, ZERO Member

"Using ZERO has been super easy and great! Everyone has been helpful and I love that I can get health care my family needs but wouldn’t necessarily be able to afford for $0!"

Staci M, 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

"Everything was great, process was very quick. Couldn’t be any happier with everything so far."

Justin G, ZERO Member

"ZERO’s staff is always so friendly! I appreciate working with them as they are so knowledgeable and kind!"

Tammy G, ZERO Member

"My experience was painless compared to the injury I was nursing. Everything was taken care of!"

Jason H, ZERO Member

"Used ZERO multiple times and always had a great experience."

Kelsey K, ZERO Member

"I urgently needed to have some tests performed. ZERO representatives were professional & timely in finding me convenient locations."

Karen O, ZERO Member

"I was hesitant to believe that it would be easy to use, but I was very pleasantly surprised!"

Katherine V, ZERO Member

"The whole experience of ZERO was again stellar. This is one of the best benefits we have ever had. The initial consult was in an ER on regular insurance and horrible."

Travis A, ZERO Member

"The people at ZERO are always helpful and courteous. They try to make it as easy as possible for me to get treatment."

Dana D, ZERO Member

"ZERO was awesome, they made everything so easy and it was quick as well. Love it!"

Lisa K, ZERO Member

"Getting the appointment and all the needed information was easy."

Amber C, ZERO Member

"I had a good experience. The scheduling time was quick and easy. I also received an appointment within a week of requesting the service."

Stefan K, ZERO Member

"It is always easy and effortless to work with The ZERO to access and schedule free care and tests!"

Teresa H, ZERO Member

"I received the best possible care from everyone I came into contact with. So thankful for Zero Card!"

Robin B, ZERO Member

"ZERO has not only helped me with getting test scheduled in a timely manner but helped my family with the financial responsibility. I am grateful to be a part of the ZERO program."

Cassandra N, ZERO Member

"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

"It was a great experience, quick appointment!"

Shelby R, ZERO Member

"The service has been great, I have not had any problems and everything has been well taken care of."

Marquita M, ZERO Member

"This process was so incredibly easy! They call you to set up the appointment and schedule. The staff over the phone at ZERO were so kind and explained all of my questions. I kept thinking there was a catch. But it's so comforting to know I can get my knee looked at and not debate if I have the money for an MRI"

Stephanie S, ZERO Member

"I was quite satisfied."

Dena D, ZERO Member

"You are super easy to schedule with. Take care of the paper work and make life easy!"

Hope R, ZERO Member

"ZERO personnel is always so professional and so helpful. Thank you!"

Leticia M, ZERO Member

"It was great, very professional staff and respectful. I felt valued."

Angie P, ZERO Member

"Yes- super quick and easy. Awesome service!"

Kristin G, ZERO Member

"I have never had an issue, everyone is polite and quick to respond."

Cheryl L, ZERO Member

"You guys are wonderful. I have used ZERO quite often. You take the stress off the situations that we go through. Thank you !!!!!"

Stephanie D, ZERO Member

"I have used ZERO for a few procedures now and it is always easy, everyone is very professional and kind, and service is always provided quickly."

Joyce H, ZERO Member

"ZERO health advocates make this so easy! I am still waiting for the bills to show up bc I jus can't believe all the imaging is ZERO $$!! Such a pleasant surprise!"

Melissa D, ZERO Member

"Everyone with ZERO I have been in contact with has been wonderful."

Frances F, ZERO Member

"ZERO helped remove the difficulty of proceeding with therapy."

Brian H, ZERO Member

"I have been very impressed with ZERO. Every time I have a question it is quickly answered and everyone is very friendly."

Amanda B, ZERO Member

Helping People Get Care, While Saving Employers Millions

Self-Funded? See What ZERO Can Save You

There’s never been a better time to see if ZERO is a fit for your organization. We’re confident that we can save you money while helping you provide an employee-retaining benefit that they’ll absolutely love.