ZERO Is Simple, Really Simple
We’ve built an entirely new healthcare benefit that turbo charges the benefits your employer already offers. You can receive care from quality, local providers and never pay anything out of your own pocket! That’s ZERO in a nutshell.
Step 2: Get Care
We’ll help match you up with local
Step 3: Save Money
You save your hard earned cash while receiving the care you need for $0, while your employer saves up to 50% on the cost of providing your benefit.
Say you go to your primary care doctor and you’re told that you need to see a specialist for your knee pain — this is when ZERO kicks in. ZERO covers the imaging, the surgery and your physical therapy afterward, all for no cost to you.
- Cardio-thoracic Surgery
- Ear, Nose & Throat Surgery
- General Surgery
- Medical Labs
- Orthopedic Surgery
- Pain Management
- Physical Therapy
- Sleep Studies
- Women’s Surgery
- And More
* Services can vary based on market
What does it cost me to use ZERO?Zip. Zilch. ZERO. When you use ZERO you will never have any deductibles, co-pays or co-insurance.
What does ZERO cover?
How do I use my ZERO benefit?When your doctor tells you that you need a service or procedure, ask for the orders and call your Personal Health Assist (PHA) at 855-816-0001. Your PHA will take care of the deets. You always pay $0, Yep, ZERO.
How do I use ZERO for lab services?Ask your doctor to send the order to a Quest facility. When you get to Quest present your member ID. You can show them your physical copy or access your digital copy at my.zero.health. Quest will send the results back to your prescribing doctor.
What providers do I have access to?
What if I receive a bill?With ZERO all services will cost you $0. If you happen to receive a bill, no worries! Just get in touch with your PHA and we will help you with the details. ZERO has your back.
How do I sign up for ZERO?If your employer has added ZERO to your benefits you are already enrolled. If you are on a Qualified High Deductible Health Plan with a Health Savings Account, enrollment may vary.
Do I need doctor’s orders to use ZERO?In most cases, including all Physical Therapy, orders are required. There are exceptions so if you have questions please contact one of our personal health assistants.
I am new to ZERO, when will I receive my Member ID card?You will only need your Member ID Card when getting lab work. Member ID cards can be downloaded at my.zero.health. Your physical Quest Diagnostics lab card will arrive within 2-3 weeks following your date of eligibility.
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.