ZERO Is Healthcare Made Simple

It’s simple — like really simple. ZERO is your own Personal Health Assistant, a real person who you can chat with, call or email. Let us know what kind of care you need and we will handle the rest. You avoid all the hassles and get the care you need for $0. Yup, ZERO.

a woman who is excited
photo of Janice G. | University of Central Oklahoma

“Very simple process. I’ve never had a benefit like this in 30 years of working. It’s fabulous and simple. Thank you”

Janice G. | University of Central Oklahoma
photo of Floyd M. | Webco Industries

“There is not another group that I would ever consider using, my family and I love every experience that we have had with the people at ZERO. There isn’t enough that I could say to thank everyone at ZERO.”

Floyd M. | Webco Industries

You always pay zero.

That’s the ZERO Way.

We’ve built an entirely new healthcare marketplace of local providers and when you use ZERO your health plan covers 100% of the cost. How cool is that!

Here’s how it works:

  • chat icon

    Step 01

    Chat live or call your own Personal Health Assistant (yes, a real person) to see if the procedure or service you need is covered.

  • provider icon

    Step 02

    We help match you up with local healthcare providers delivering the best combination of cost, quality and convenience.

  • money icon

    Step 03

    You save your hard earned cash and get access to the care you need for $0 while your employer saves up to 50%.

  • heart icon

    Oh Yeah!

    Happy, happy people
    and hi-fives all around!

Woman with her child

We have reimagined care delivery to focus on Members First.

Imagine access to the care you and your family need and never worrying about the financial impact – imagine access to healthcare for $0. That’s not fake news that’s the ZERO way.

We work with your employer to offer a better healthcare experience that puts you first. It’s your choice because you’re in control.

  • Use ZERO to access to all kinds of services and procedures like labs, imaging, physical therapy, colonoscopies, surgeries and more.

  • Use ZERO and save your hard-earned cash by never paying a copay, coinsurance or deductible.

  • Use ZERO and know your own Personal Health Assistant always has your back.

  • Use ZERO and take the guesswork out of finding the healthcare provider that is right for you.

  • Use ZERO and experience the best combination of cost, quality and convenience.

Illustration showing city with medical providers

So What’s Covered?

Really good question!

  • Labs
  • Imaging
  • Physical Therapy
  • Gastrointestinal
  • Orthopedic
  • Spine
  • General Surgery
  • Ear, Nose & Throat
  • Pain Management
  • Sleep Studies
  • Women’s Health
  • And More

* Services can vary based on market

We’ve put our members first and they’re happier, healthier and saving a lot of money.

Member Reviews

Average Score: 4.7 / 5.0

"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

"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

"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

"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

"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

"We love the ZERO. It 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

"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

"I was quite satisfied."

Dena D, 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

Want to add ZERO

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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.