Hassle-Free Healthcare For $0

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. Yep, ZERO.

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 01 - Contact Us

    Need scheduled care like surgery, a colonoscopy or physical therapy? Just call, chat or email your ZERO Personal Health Assistant.

  • Step 02 - Get Care

    We’ll help match you up with local healthcare providers who will provide the care that you need, at no cost to you.

  • Step 03 - 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.

Illustration showing city with medical providers

ZERO Covers
Scheduled Care

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
  • Gastroenterology
  • General Surgery
  • Imaging
  • Medical Labs
  • Ophthalmology
  • Orthopedic Surgery
  • Pain Management
  • Physical Therapy
  • Sleep Studies
  • Urology
  • 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?

    Surgeries, x-rays, advanced imaging (MRI, CT), physical therapy, labs and a lot more. You can search for providers in your area from this site. You can also call your Personal Health Assistant (PHA) will be able to tell you exactly what is covered.
  • 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?

    ZERO is always adding providers so please call, chat or email your PHA for the most up to date information.
  • 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 and you have health insurance other than a High deducible Health plan, you are already enrolled.
  • 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.

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

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.