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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.

Cross-Border Medical Finance Hub

Don't Trade Your Life Savings for Your Life.

High deductibles should never force you to delay the surgery you need. ZeroPayHealth helps you access world-class surgeons in elite facilities with a verified path to $0 out-of-pocket care.

Check My Eligibility View Savings Model

$0 upfront pathway

California consult

HIPAA-aligned privacy

Eligibility Check

Find your $0 path

Step 1/3

What type of care do you need?

Why We Exist

The deductible is where treatment gets delayed.

A $5,000+ deductible can feel impossible.

For millions of middle-class Americans, the bill arrives before healing begins. Families postpone surgery, drain emergency funds, or borrow against the future just to get care that should already be covered.

Medical debt is cited as the #1 cause of bankruptcy.

Healthcare shouldn't require a second mortgage. Since 2018, our California-based team has been building a bridge to affordable healing.

Savings Calculator

Model the cost gap in seconds

Choose the estimated U.S. surgery cost and see how the ZeroPay structure can remove your deductible while creating meaningful employer savings.

Estimated U.S. surgery cost$100,000

$20k$150k

Projected Result

Your Out-of-Pocket:

Potential Employer Savings: $70,000

Calculated as 70% of the selected U.S. procedure estimate.

The $0 Logic

How Can It Be $0 For You?

It’s not magic. It’s cutting out the American middleman. A $100,000 heart surgery in the US can cost $25,000 in our top-tier partner hospitals. Your employer saves $75,000, so covering your bridge loan and giving you a $0 deductible still leaves them far ahead. You get health; they get savings; we manage the bridge.

Savings Visualization

From high deductibles to a $0 upfront pathway

Traditional U.S. Path

Deductible / upfront burden

$5,000+

High deductible first

Opaque pricing

Care and financing separated

ZeroPay Path

Upfront payment

Lender offers compete

Hospital costs compared side by side

Claim settlement loop

3+3 Competitive Grid

The Power of Choice

Preview competing financing plans beside elite hospital pathways, then pair the best lender and care option into a single $0 out-of-pocket route.

3 lender plans

Swipe to compare lender plans

3 top China hospital options

Swipe to compare hospital options

Selected Plan: BridgeCare Credit + Shanghai Premier Orthopedic Center

Total Cost to You: $0

Trust Infrastructure

California Roots. Global Standards.

Headquartered in California for over 8 years, we meet you in person to verify every contract. Your journey is protected by US legal standards and our onsite team.

HIPAA Compliant

Secure Encrypted Portal

Medical team reviewing patient documents in a modern clinical office

California-based

Contract verified

Onsite care team

Elite Hospital Network Advantages

Proton Therapy Systems

Access partner facilities equipped for advanced oncology protocols and precision treatment planning.

FDA-Cleared Devices & Medications

Care pathways prioritize globally recognized devices, medications, and clinical quality controls.

Grade-A Tertiary VIP Departments

Dedicated international service units support complex surgery, recovery, and patient coordination.

How It Works

Your Journey to $0 Surgery in 5 Simple Steps

A transparent flow from eligibility to settlement, with a real California verification step before any bridge-financing contract is finalized.

Instant Prequalification

Fill out our 60-second form to see if your employer-sponsored plan qualifies.

3+3 Comparison

Review 3 competitive loan offers and 3 world-class hospital options tailored to your surgery.

California Verification

In-Person Verification

Meet our staff at our California office to verify your identity and finalize the bridge-financing contract.

VIP Medical Travel

Fly to an elite medical center (Shanghai/Beijing) for surgery with $0 upfront costs for travel or care.

Employer Settlement

We manage the claims process. Your employer pays the savings to clear your loan. You walk away healthy and debt-free.

Employee-to-CFO Referral

Bring this idea to your CFO. Unlock a $500 care-package credit.

Your employer may be able to save tens of thousands on a major procedure while helping you avoid the deductible shock. Introduce ZeroPayHealth to your CFO or benefits leader, and our California team will present the finance case.

Refer My CFO

Patient signal

C-side campaigns identify people who are blocked by high deductibles.

CFO briefing

We translate the patient story into a claims-reduction business case.

$500 credit

Eligible referrers receive a China Care Package Credit after program review.

We do not ask you to send medical records in the referral form. The first employer contact is a benefits and finance review.

Program guardrails

For CFOs

Cut your company’s healthcare spend by 30%

Reframe high-cost procedures into an auditable, finance-ready, settlement-backed cross-border care pathway that reduces volatility in employer health benefits.

Explore Employer Savings

30%

Target spend reduction

Employee upfront burden

Closed-loop settlement path

FAQ

Questions Patients Ask Before They Trust the Process

Clear answers to the fears that usually sit between a patient and the care they need.

No catch. We arbitrage the massive price gap between US and Global healthcare. Because we save your employer tens of thousands, they use a portion of those savings to pay for your loan.

We only partner with Tier-1 international facilities that use FDA-cleared implants (Stryker, Zimmer, etc.) and JCI-accredited safety standards. Many of these surgeons have 10x the clinical volume of US doctors.

While our main verification hub is in CA, we offer secure remote verification for qualifying patients across the US.

Our initial pre-qualification is a "soft pull," which does not impact your credit. The final loan is a bridge-finance specifically designed for medical reimbursement.

Our "Peace of Mind" package includes complication insurance and local follow-up coordination back in the US.

Start My Free Assessment

Role Sign-In

Team portals for the care corridor

Verified partners and operations teams can open the workspace assigned to their account.