The Zero Card

The Zero Card is a new benefit option for UCO employees and their families that carry the University's medical insurance. The Zero Card offers hundreds of procedures, services, and Rx that cost you $0.


You might be wondering how do I use The Zero Card?

When your doctor tells you that you need a service or procedure, call your personal health assistant at 855.816.0001. We take care of the details and you always pay zero.

What does The Zero Card cover?

The Zero Card includes services such as surgeries, orthopedics, lab, x-ray, advanced imaging (MRI, CT, Ultrasound) and many others.

What does it cost me to use The Zero Card?

When you choose to use The Zero Card, your health plan pays 100% of the charges. That means no deductible, no co-pay and no co-insurance coming out of your pocket.

What do I do if I receive a bill?

Receive a bill, no worries! Simply call Zero Card at 855.816.0001 and one of their staff will ensure we get the bill taken care of for you.

How do I know what providers are covered?

Most providers are listed on our website,; however, we always encourage you to call as the Zero Card is always adding additional providers.

Do you have a prescription?

With over 1,000 mail order generic prescription, let Zero Card help you save money. Call The Zero Card to review your prescriptions and see just how much you can save.

Still have questions? Call The Zero Card at 855.816.0001 or visit their web page at