ZERO.health negotiates directly with hospitals, surgery centers and physicians to secure transparent, predictable pricing on scheduled services and procedures—eliminating wild price variation and removing barriers to care. Our clients are employers with self-funded health plans. Their employees and their covered family members pay $0 out-of-pocket and get a Personal Health Assistant to help along the way. Most employers cut spending by up to 40% (before fees) on electives that are within our purview, and employees get access to procedures they need without the financial stress or confusion.