Introducing the medZERO Spending Account.

medZERO helps employees get the care they need, when they need it.

What We Do

We give your employees on-demand access to funds to pay their out-of-pocket healthcare expenses over time—at ZERO interest and ZERO fees.³ And for HSA users, those payments are pre-tax, creating savings of up to 30% vs. using after-tax cash.¹ This adds up to happier, healthier, and more productive employees.

Why medZERO Matters

The average family will spend over $3200 in out-of-pocket health costs this year, while many cannot afford to pay a surprise expense of $400 without going into debt. medZERO bridges that gap, allowing employees to fully benefit from their coverage and offering them a smarter way to pay their out-of-pocket costs.

0 %

of employees report problems in paying medical bills.

0 %

of employees have deferred care solely due to cost.

0 %

of all personal bankruptcies are driven by healthcare.

How It Works

medZERO works with any benefit plan, any provider, and any HSA. Your employees receive instant approval with no credit check or impact.² Easy on you. Easy on your employees. Just three simple steps will get them started:

Download medZERO

Access funds 24/7 on your phone. No credit check required.²

Get Care

From any doctor, dentist, pharmacy, or even for pet health—whether in-network or out-of-network.

Pay Instantly

And repay over time with ZERO fees and ZERO interest.

During the last year, 26% of adults on an employer plan reported cutting spending on food, clothing, and household items to pay for health-related expenses, and 20% said that they took on additional credit card debt.

— Kaiser Family Foundation

What Employers & Employees Are Saying

We've introduced three new benefits this year to our 4,500 Team Members, and I can honestly say the benefit that received the most positive reaction is medZERO.

We're built around core values of sustainability and impact, medZERO gives us an advantage in recruiting, and allows us to ensure our employees are equipped with the best access to healthcare possible.

medZERO offers an excellent program to employees with strong ROI.

The medZERO support preson was so helpful walking me through the processs and answering all my questions!

I needed new glasses to pass my drivers license test, without medZERO I would not have been able to afford them.

The hospital wanted me to pay for my surgery up-front. I used medZERO and was able to have my surgery. I don't know what I would have done without medZERO. Thank You!

Everyone Benefits

EMPLOYERS

medZERO enhances your existing benefits programs to help attract and retain top talent, enabling them to be healthier and more productive.

EMPLOYEES

medZERO eases the stress of paying for healthcare with on-demand, zero-interest financing they repay over time.³

PROVIDERS

Using medZERO, providers are paid in full, which makes it easy on providers and your employees.

Employees pay over time and save money on out-of-pocket health care expenses with medZERO. Unlike a credit card or payday loan there is no interest and no fees.³ If they have an HSA, they save as much as 30% using pre-tax dollars.¹ No HSA? No problem. There’s no credit check. No interest. No fees. In other words, no hassle.

Insights

Supporting Employees During National Infertility Awareness Week and Beyond

National Infertility Awareness Week (April 21-27, 2025) serves as a powerful reminder of the challenges faced by the 1 in 6 couples struggling with infertility in the United States. This week-long observance, established by RESOLVE: The National Infertility Association, aims to raise awareness, encourage open discussion, and promote understanding of reproductive health issues that affect millions of Americans. This year’s theme, “You Are Not Alone,” emphasizes the importance of community support and accessible resources for those navigating infertility. For benefits decision-makers, National Infertility Awareness Week presents a timely opportunity to evaluate how your benefits package addresses these needs and demonstrates

Sprained Ankle

The Hidden Burden

Understanding the Real Cost of Healthcare (and how medZERO Can Help) We often hear about the “cost of healthcare” in broad terms, but what does that really mean for the average employee? For many, the reality is a constant struggle to manage unexpected out-of-pocket expenses, even with health insurance. Let’s break down a common scenario to illustrate this hidden burden, and then explore how solutions like medZERO can provide much-needed relief. The Sprained Ankle: A Real-Life Example Imagine this: You’re playing a weekend soccer game and twist your ankle. It’s painful, and you suspect a sprain. You head to

News

medZERO Joins ASHHRA’s Preferred Partner Program (AP3)

Portland, OR — May 12, 2026 — medZERO is pleased to announce that it has been selected as a financial wellness partner for the ASHHRA Preferred Partner Program (AP3), an initiative created to help HR leaders access trusted, high-impact solutions to reduce costs without sacrificing value. Selection into this program reflects medZERO’s commitment to addressing the top benefit concern healthcare employees have today—affordability of their own care—through on-demand access to funds to pay for deductibles, co-pays, co-insurance, and more. “We are honored to be chosen as a member of AP3,” said Craig Froude, CEO of medZERO. “Healthcare workers are in a uniquely difficult position — they dedicate their lives to delivering care, yet too often struggle to afford it themselves. For HR leaders in healthcare, this paradox adds to an already overwhelming set of challenges as rising healthcare costs make it increasingly challenging to support the people behind the care. This partnership allows us to deepen our engagement with the healthcare community and put a real solution in the hands of the HR professionals working every day to make care more accessible and affordable for their workforce.” medZERO supports existing benefit strategies and offers employees on-demand access to interest-free funds for often unexpected healthcare expenses like deductibles, co-pays, co-insurance, dental, vision, pharmacy, fertility, and more. There is no credit check, no interest, no fees for employees, and repayment can be automated through a payroll deduction. For healthcare benefits teams, there’s no impact on benefit plan design, coverage, or employer risk. It’s

Expanding Employee Benefits: medZERO’s Innovative Approach to Fertility and Pet Care

FOR IMMEDIATE RELEASE Portland, Oregon – May 16,2024– medZERO, a leading innovator in employee benefit solutions, today announced two new initiatives designed to address critical coverage gaps for employees. medZERO is both expanding their current coverage to include pet medical expenses and introducing Fertility Advantage, a new product aimed at tackling the need for cost-effective family-building benefits.

FAQs

Are there any fees to my employees for using medZERO?

No. ZERO fees.³

What’s the interest rate?

ZERO. That’s 0.0%³

Is a credit check required to use medZERO?

No. No credit checks.²

How quickly can employees access funds?

Your employees can access funds on-demand³, 24/7, using their smartphone or through the website.

Is medZERO an HSA (Health Savings Account)?

No. Our technology and medZERO Spending Allowance programs enhance any HSA. Because your loan payments to medZERO are considered qualified medical reimbursements, when made via your HSA, you're paying with pre-tax money.

And, if you have an HSA balance, and your provider offers investment options, you can leave that money working and use a medZERO loan to cover unplanned medical expenses—further enhancing the value of your HSA through investment gains and added tax savings.

Is an HSA account required to use medZERO?

No. medZERO enhances an HSA, but an HSA isn't required. Employers without HSA programs (those using PPO or HMO plans, for example) may elect to make medZERO available to all employees.

What are “Qualified Medical Expenses”?

Co-pays, cost sharing (%) payments and deductibles for visits to your doctor or emergency room are considered Qualified Medical Expenses. And, you can also pay for other products and services, including eye exams, glasses, corrective eye surgery, dental procedures, prescription drugs and a host of other expenses.¹

Who We Are

We’re experts in employee wellness, healthcare, fintech, lending and payments from leading companies like WebMD, CarePayment and GE Capital Insurance. We’re applying our expertise from being on the “inside” to enable employees and employers to achieve the full benefit of their health coverage. We created medZERO to give employees a smarter way to pay for and engage with their healthcare.

Craig Froude

Chief Executive Officer

Howard Michalski

Co-Founder, President

Ryan Murphy

VP of Operations

Our Investors

Village Global is an early-stage venture capital network of the world’s most successful entrepreneurs that includes Jeff Bezos, Mark Zuckerberg, Bill Gates, Reid Hoffman, Diane Greene, Sara Blakely, Abby Johnson, and many others. Village is connected capital. Village is capital, connected.
villageglobal.vc

Founded in 2005, True Ventures is a Silicon Valley-based venture capital firm investing in early-stage technology startups. We have helped more than 300 companies successfully launch and scale. In doing so, we have created more than 25,000 jobs worldwide.
trueventures.com

Help your employees be happier and more productive. It’s simple, saving them—and your company—money.

We’ll have your medZERO benefit up and running in as little as two weeks. We can roll out any time, and there is no risk to employers for late or missed payments.

Let’s schedule a call to learn more about your company and current benefits program.

Let’s Schedule a Call

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