Stop-loss volatility is no longer rare.
A handful of domestic surgical claims can distort the entire benefits budget, trigger stop-loss pressure, and force reactive plan design changes.
ZeroPayHealth
Calculate Savings
Portal Login
Choose your workspace
Hover to open. Sign in with the email assigned to your role.
Patient PortalReview your application status, upload records, and confirm your California consultation.Employer BenefitsTrack redirected claims, savings evidence, and compliance documents.Hospital TeamManage assigned patients, clinical milestones, medical records, and billing PDFs.Lender TeamReview verified cases, upload final agreements, and authorize funding.Claims SpecialistReconcile claim packets, final costs, and employer settlement evidence.Care ConsultantCoordinate travel support, translation review, onsite proof, and patient updates.CA OperationsRun identity verification, office appointments, and final-pass coordination.Platform AdminOpen the system control tower for governance, RBAC, and platform oversight.
Employer Health Finance
Stop Overpaying for Employee Healthcare
30% Reduction in Claims
Slash Your Corporate Healthcare Spend by 30% Without Cutting Benefits.
Redirect high-cost domestic claims to our premium international medical corridors. Zero risk, fully compliant, and your employees pay $0.
Claims Control Model
Domestic vs ZeroPay Corridor
Average US Surgery Claim
$80,000
ZeroPay Corridor Cost
$25,000
Gross Claim Delta Per Case
$55,000
Double-Win Logic
The company pays materially less per major claim while the employee receives a $0 out-of-pocket path, creating measurable savings without reducing perceived benefits.
The Problem
Self-insured employers are carrying claims risk they cannot forecast.
Premium increases compound faster than payroll.
Self-insured employers are absorbing medical inflation while trying to protect retention, recruiting, and employee trust.
Benefit cuts create hidden productivity loss.
Higher deductibles may lower plan cost on paper, but they delay care, increase absence risk, and create employee resentment.
The Double-Win Logic
Reduce claims expense while increasing employee loyalty.
Employer outcome
$55,000
modeled claim reduction per major surgery
Lower domestic claim exposure
Documented corridor economics
More predictable stop-loss pressure
Employee outcome
$0
approved out-of-pocket pathway
No deductible barrier
California verification support
Higher trust in the benefit plan
Corporate Savings Calculator
Model your avoidable high-cost claims.
Enter your workforce size and annual health spend. The model estimates major-surgery redirection savings using ZeroPayHealth's corridor cost assumptions.
Estimated Annual Savings
$1,100,000
9.2% of annual spend
Impact on EBITDA
+1.6%
Modeled contribution
Employee Satisfaction
+40%
$0 employee pathway
Claims Redirection Model
Projected major surgeries: 20.0
Per case delta
$55,000
Domestic Claims$1,600,000
ZeroPay Corridor Cost$500,000
Annual Savings$1,100,000
US Avg Surgery
$80,000
ZeroPay Path
$25,000
High-cost Budget
$840,000
Employer Access Application
Apply for your self-hosted employer dashboard.
Submit your company profile and benefits contact. The application is stored directly in the ZeroPayHealth backend, and the work email becomes the username for employer access.
Modeled savings
$1,100,000
Formula: (Employees / 100) x 2 x ($80,000 - $25,000)
Plan Type
Email becomes username
Employer, patient, doctor, and hospital accounts all use email login IDs.
Compliance Grid
Built for cautious finance and benefits teams.
ERISA Compliant
Structured for employer-sponsored benefit programs with auditable plan documentation.
HIPAA Secure
Protected health information is handled through secure, role-based workflows.
California-Based Verification
Identity and bridge-financing contracts are verified by our California-based team.
Fully Insured Travel
Travel coordination is designed around insured movement, care continuity, and documented handoffs.
Employer Backend Modules
What employers see after approval.
Feature ModuleDescriptionKey Metrics
Savings Analytics
Real-time display of total savings generated through ZeroPayHealth.
Total ROI, Claim Reduction %
Employee Status
Monitor which employees are applying, verified, traveling, or actively treating.
Active Cases, Treatment Milestones
Financial Settlement
Monthly settlement statements showing how reimbursement clears bridge-financing balances.
Loan Clearance Status
Compliance & HIPAA
Download compliance proof, travel insurance credentials, and California office audit reports.
Downloadable Audit Trail
Employer Dashboard Architecture
Monitor every case, claim, and compliance checkpoint.
Once an employer is onboarded, the dashboard becomes the control plane for redirected claims, employee verification, travel status, and settlement outcomes.
Active Cases
18
3 awaiting CA verification
Redirected Claims
$1.1M
Trailing 12-month estimate
Employee Out-of-Pocket
$0
For approved corridor cases
Compliance Reviews
100%
Documented before contract
Case pipeline
Prequalify > CA verify > travel > claim settlement
01
Prequalified
02
Verified
03
In Treatment
04
Settled
Executive next step