Now employers can offer a healthcare package that includes the Zero plan. With Zero, members, employers, providers and advisors benefit from the member-first healthcare experience that the Zero plan offers. With no deductibles, copays or co-insurance, your employees can receive the care they need at an affordable cost. Zero is the answer for certain surgeries, x-rays, MRIs, lab tests and even physical therapy when ordered by a doctor. Zero plan members can even consult with personal health assistants so they can navigate their way to better health.