Zero Health
Healthcare Simplified to $0
ZERO Health
Employees and covered dependents enrolled in a Midland ISD medical plan may have access to eligible scheduled healthcare services through ZERO with no deductible, copay, or coinsurance. Your Personal Health Assistant helps coordinate the process from the doctor’s order through your appointment.
How ZERO Works
A simpler way to access scheduled healthcare
ZERO partners with healthcare providers that agree to transparent, reduced rates for eligible procedures and services. Through Midland ISD’s medical plan, ZERO can connect enrolled employees and covered dependents with participating providers at no out-of-pocket cost for approved care.
$0
deductible for eligible ZERO care
$0
copay for eligible ZERO care
$0
coinsurance for eligible ZERO care
1 Call
starts support from your Personal Health Assistant
Who Can Use ZERO?
Coverage for enrolled employees and dependents
Enrolled employees
Midland ISD employees enrolled in an eligible District medical plan may use ZERO for covered services.
Covered dependents
Eligible dependents enrolled under the employee’s Midland ISD medical plan may also use the ZERO benefit.
Approved scheduled care
The service must be eligible through ZERO and coordinated with a participating provider before care is received.
The most important rule: contact ZERO before you schedule.
When your doctor recommends a procedure, test, therapy, or other scheduled service, obtain the doctor’s order or referral information and call your Personal Health Assistant at (855) 816-0001. Do not schedule directly with a provider and assume the service will be $0.
The ZERO Process
Four simple steps to $0 care
Your Personal Health Assistant coordinates the process and helps you understand whether the recommended service is available through ZERO.
Your doctor recommends care
Ask your doctor for the order, referral, procedure name, or other details about the service you need.
Call your PHA
Contact ZERO at (855) 816-0001 before scheduling. Your PHA will confirm eligibility and determine whether ZERO can coordinate the service.
ZERO coordinates the provider
Your PHA helps locate an appropriate participating provider and guides you through the scheduling process.
Receive approved care for $0
Follow ZERO’s instructions and receive the approved service with no deductible, copay, or coinsurance.
Have this information ready when you call
- Your name and medical-plan information
- The covered dependent’s information, when applicable
- The doctor’s order, referral, or procedure details
- The name of the recommending doctor
- Your preferred location and scheduling needs
- Any questions about the procedure or ZERO provider
Available Care
What services may be available through ZERO?
ZERO focuses on healthcare that can generally be scheduled in advance. Available services and providers can vary by location and medical plan. Contact a PHA to confirm that your specific service is eligible.
Advanced imaging
MRI, CT scans, and other scheduled diagnostic imaging.
X-rays
Eligible scheduled radiology services through participating providers.
Laboratory services
Eligible lab testing coordinated according to ZERO instructions.
Physical therapy
Approved therapy services, generally with a provider order.
Gastroenterology
Eligible GI procedures, including certain scheduled screenings.
Orthopedic care
Eligible orthopedic procedures and related scheduled services.
General surgery
Selected scheduled surgical procedures through ZERO providers.
ENT and urology
Selected ear, nose, throat, and urology procedures.
Additional services
Pain management, sleep studies, women’s surgery, and more.
ZERO is not a replacement for emergency or routine medical care.
ZERO is designed primarily for eligible care that can be scheduled in advance. For emergencies, call 911 or seek immediate emergency care. Continue using your regular medical plan and providers for services that are not coordinated and approved through ZERO.
Provider Access
Why isn’t every doctor or facility part of ZERO?
ZERO contracts with providers that support transparent, reduced-cost care. Some hospitals, health systems, or physician groups may not participate. The network continues to grow, and provider availability may change.
Search online
Explore available care and participating providers in your area at care.zero.health.
Confirm by phone
Provider participation and service availability can change. Call your PHA for the most current information.
Let ZERO coordinate
Your PHA can help match your order with a participating provider and guide the scheduling process.
Received a bill for approved ZERO care?
Do not ignore it and do not pay it without contacting ZERO first. Send the bill information to your Personal Health Assistant so ZERO can review the details and assist you.
Member Resources
Find care and learn more
Provider Search
Search for ZERO Care
Explore participating healthcare services and providers in your area. Confirm final availability with your PHA before scheduling.
Search for care Member EducationZERO Member Resources
View member videos, benefit explanations, coverage information, and guidance for using ZERO with your medical plan.
View resources FAQsZERO Member Information
Learn more about available scheduled care, Personal Health Assistants, provider access, lab services, and common member questions.
Visit member pageQuick Answers
Frequently asked questions
What does eligible care through ZERO cost me?
Approved services coordinated through ZERO cost you $0 out of pocket. There is no deductible, copay, or coinsurance for eligible ZERO care.
Who may use Midland ISD’s ZERO benefit?
Eligible Midland ISD employees and covered dependents enrolled in one of the District’s participating medical plans may use the benefit.
How do I start using ZERO?
When a doctor recommends a scheduled service, obtain the order or referral details and call your Personal Health Assistant at (855) 816-0001 before making the appointment.
Do I need a doctor’s order?
An order is required in most cases, including physical therapy. Contact your PHA when you are unsure whether an order or referral is needed.
Can I schedule directly with a ZERO provider?
Contact ZERO before scheduling. Your PHA must confirm eligibility, approve the service, and explain how the appointment should be arranged for the care to qualify for the $0 benefit.
What if my current doctor is not a ZERO provider?
Your current doctor may provide the order or recommendation, while ZERO helps identify a participating provider for the procedure or service. Call your PHA to discuss available options.
What if ZERO does not have the service or provider I need?
Your PHA will explain whether the service is available through ZERO. Care that is not coordinated through ZERO should be handled under the normal terms of your Midland ISD medical plan.
What should I do if I receive a bill?
Contact your PHA before paying the bill. ZERO will review the details and help address billing for approved ZERO services.
Is ZERO for emergencies?
No. ZERO is primarily for eligible healthcare that can be scheduled in advance. Call 911 or seek immediate emergency care for an emergency.
Before you schedule, call ZERO.
Your Personal Health Assistant can confirm coverage, locate participating providers, coordinate eligible care, and help make $0 healthcare a reality.