Zero-Interest Healthcare Financing That Gets Employees to Care
medZERO removes the upfront out-of-pocket cost barrier that causes employees to defer care — giving every eligible employee instant, zero-interest, zero-fee access to funds for medical expenses, repaid over time through payroll or HSA. No credit check. No plan redesign. No employer financial risk.
The Challenge
The Healthcare Employer Financial Wellness Challenge
Out-of-pocket healthcare costs are a leading cause of employee financial stress, deferred care, and productivity loss — and employers absorb the consequences on the back end in claims, absenteeism, and turnover.
Employees Can't Afford to Use Their Benefits
The average family faces over $3,200 in annual out-of-pocket health costs, yet many employees cannot cover a $400 unexpected expense without going into debt — making the benefits they have effectively inaccessible.
Deferred Care Drives Downstream Claims
When employees delay or skip care due to upfront cost barriers, minor conditions become major ones — increasing catastrophic claim frequency and stop loss exposure for self-funded employers.
Financial Stress Impacts Workforce Performance
26% of adults on employer plans cut spending on food and household essentials to pay for healthcare. Financial stress tied to healthcare costs directly reduces productivity, engagement, and retention.
Credit Card Debt as the Default Solution
20% of employees on employer plans take on additional credit card debt to cover health-related expenses — a band-aid that worsens long-term financial wellness and compounds workforce stress.
HSA and FSA Structures Don't Solve the Problem
Traditional HSA and FSA designs require employees to accumulate funds before accessing them — doing nothing to address the upfront cash flow barrier that prevents care at the moment it's needed.
Frontline & Hourly Workers Are Most Exposed
For hourly, deskless, and lower-wage healthcare workers, out-of-pocket costs have an outsized impact — creating equity gaps in benefits access that affect recruitment and retention of critical frontline staff.
The medZERO AP3 Solution
Frictionless, Employer-Sponsored Healthcare Expense Financing
medZERO delivers a zero-barrier financing solution that works with any health plan, any provider, and any HSA — removing the upfront cost obstacle that stands between employees and the care they need.
Zero-Interest, Zero-Fee Financing
Employees access funds for all qualified out-of-pocket healthcare expenses — co-pays, deductibles, dental, vision, prescriptions, and more — with no interest and no fees, ever.
Instant Approval, No Credit Check
Every eligible employee qualifies regardless of credit history. Instant approval through the mobile app or web portal means funds are available when care is needed — not days later.
Payroll & HSA-Based Repayment
Repayment happens automatically through structured payroll deductions or HSA-directed payments — making repayment effortless and invisible for employees.
Pre-Tax Savings for HSA Users
For employees repaying through HSA, pre-tax dollars create savings of up to 30% versus after-tax cash — amplifying the financial benefit of participation.
Providers Paid in Full at Point of Service
medZERO pays providers in full at the time of service — eliminating collection friction, reducing provider administrative burden, and ensuring employees receive uninterrupted care.
Rapid Implementation, No Employer Financial Risk
Employer setup in as little as two weeks. medZERO assumes all financial risk for late or missed employee payments — the employer has zero liability. Works with any existing health plan structure: PPO, HMO, HDHP, or HSA.
Is This Right for Your Organization?
Strong Alignment With Healthcare Organizations That:
The medZERO AP3 solution is purpose-built for healthcare employers seeking to improve benefits utilization, reduce deferred care, and address the financial wellness gap that existing HSA and FSA structures leave unresolved.
Seeing low benefits utilization tied to cost
Employees have coverage but aren't using it — deductibles and out-of-pocket costs are the primary barrier to access.
Experiencing downstream claims from deferred care
High-cost claims are being driven by employees who avoided earlier, lower-cost interventions due to upfront cost barriers.
Serving hourly, frontline, or deskless workforces
Out-of-pocket costs have an outsized financial impact on lower-wage employees, creating inequity in benefits access across the workforce.
Looking to enhance benefits without plan redesign
medZERO layers onto any existing health plan structure — no redesign, no carrier changes, no disruption to current benefits strategy.
Facing retention and recruitment challenges
A high-visibility, high-impact financial wellness benefit differentiates the organization as an employer of choice in competitive labor markets.
Wanting rapid implementation with no financial risk
Leadership needs a meaningful benefit addition that can be deployed quickly and carries zero employer liability for employee repayment.
Why Through AP3
The AP3 Advantage
As a vetted Strategic Partner within the ASHHRA Preferred Partner Program, medZERO's engagement is structured to deliver more than a standard vendor relationship.
Formal Vetting & Governance
medZERO's capabilities and healthcare alignment have been formally evaluated through AP3's structured governance process.
Executive-Level Coordination
Engagements are coordinated through AP3 to ensure strategic alignment and executive-level transparency from the outset.
Pre-Negotiated Commercial Terms
Special pricing considerations and partner incentives are available exclusively through AP3 — not through direct outreach.
Integrated Ecosystem Alignment
medZERO's financial wellness solution connects directly to AP3's stop loss strategy through Lockton — addressing deferred care at the employee level before it becomes catastrophic claim exposure at the plan level.
In Their Words
Why medZERO Joined AP3
Request a Structured Evaluation
Start the Conversation
Complete the form and an AP3 representative will connect you with medZERO to discuss your employee financial wellness and benefits utilization challenges. Engagements are coordinated through AP3 to ensure alignment and access to pre-negotiated terms.
