medZERO is a healthcare financial wellness platform offered as an employee benefit. It gives employees an approved spending amount they can use to pay out-of-pocket medical costs immediately and repay over time at zero interest and zero fees, with no credit check and no credit impact. Employees access funds through a mobile app or website, and the platform integrates with HSAs so payments can be made pre-tax. Providers are paid in full up front, and employers use it to help staff actually use the insurance coverage they have.