ZERO 2026 Oklahoma Impact Report: A Decade of Momentum in Our Birthplace

• $76M Cumulative Savings for 76 OK-based Companies
• $39M Costs Eliminated for Oklahoma Families
• $118.3M Total Claims Paid to Local Providers

ZERO is the ‘fast-lane’ to lower-cost healthcare for everything from routine labs to major surgeries. By removing the ‘sludge’ of high-overhead systems, we partner directly with providers who are specifically focused on lowering the cost of care through transparent pricing, high-quality clinical outcomes, and an exceptional patient experience. Because these direct-contracted rates are on average 35% lower than traditional PPO rates, employers can afford to cover 100% of the bill—transforming a broken cycle of systemic waste into a streamlined $0 experience for most scheduled care.

Engagement as the Engine

Savings is often trapped behind complexity and member avoidance. ZERO doesn’t just offer a card—we provide the proactive engagement engine that triggers actual utilization.

Over the Last Decade

This engine has successfully navigated members through half a million services over the last decade and what fuels the $76M and counting in total employer savings.  

ZERO drives both financial and emotional wins for members. Putting money back into bank accounts and having a benefit that members actually trust and enjoy using. 

$2,600 Total Average Savings per Family in Eliminated Out-of-Pocket Costs

96 Member NPS Score

Deep Industry Roots in Oklahoma

62 Active Employers across 14 different industries, with the largest concentration in Higher Education (15 colleges & universities); Manufacturing (10), Non-profits (9) and Local Municipalities (4) 

• $25M Savings for Higher Education
• $15.7M Savings for Manufacturing
• $13M Savings for Non-Profits
• $7.3M Savings for Local Municipalities

• 56% OK Employers Have Trusted ZERO for 5+ Years
• 26% OK Employers Have Trusted ZERO for 8+ Years
• 98% Member Retention

Just a Few of Our Oklahoma Partners

• Webco Industries
• Bama Companies
• Paycom
• University of Central Oklahoma
• City of Broken Arrow

ZERO isn’t just a niche benefit – it’s a comprehensive healthcare ecosystem that supports Oklahomans members from routine labs to complex surgeries. 

• The Diagnostics Foundation: $19M Savings for Lab Services & Imaging Procedures
• Recovery and Wellness: $4.5M Savings for Physical, Speech, and Occupational Therapy
• Surgical Excellence: $42M Savings for Surgical Procedures & Orthopedic Interventions
• Specialized Support: $10M Savings for Sleep Medicine, Pain Mgmt., Gastro & more

Some of the Elite Network of ZERO Providers in the State

• Oklahoma Heart Hospital
• Oklahoma Surgical Hospital
• McBride Orthopedic Hospital
• Surgery Center of Oklahoma
• Tulsa Bone & Joint