Understanding the Zero Card: Accessible Gynecologic Care in Tulsa

Confident woman representing a Zero Card gynecologic patient at OGS Tulsa

Navigating healthcare costs can be stressful, especially when surprise bills and insurance confusion prevent necessary medical treatment. That’s why OBGYN Specialists of Tulsa is proud to participate in the Zero Card program, which helps eligible patients access high-quality women’s health services with zero out-of-pocket cost.

If a participating employer health plan covers you, the Zero Card may offer a straightforward path to affordable, compassionate gynecologic care right here in Tulsa.

What Is the Zero Card?

The Zero Card is a supplemental benefit program offered through specific employer-sponsored health plans. It connects members with a network of medical providers who deliver care at no cost to the patient—no deductibles, co-pays, or surprise fees.

This benefit is available to employees of select organizations, such as:

  • The University of Oklahoma
  • The City of Broken Arrow
  • Other participating Oklahoma-based employers

Through the Zero Card, patients can access a wide range of services, including gynecologic procedures, labs, and outpatient surgeries, all coordinated for ease and transparency.

Gynecologic Care Covered by the Zero Card

At OBGYN Specialists of Tulsa, our providers are dedicated to offering accessible care through trusted programs like the Zero Card. For patients seeking gynecologic surgery, this partnership can make a meaningful difference in both cost and experience.

Common procedures covered through the Zero Card may include:

  • Hysterectomy
  • Endometrial ablation
  • Minimally invasive or robotic-assisted gynecologic surgeries

Surgeries are typically performed at Oklahoma Surgical Hospital, which also participates in the Zero Card program. This ensures a seamless, fully covered experience from consultation through recovery.

How the Zero Card Works

If you’re eligible for the Zero Card, accessing services is simple:

  1. Visit zero.health to log in to your account or learn more about your coverage.
  2. Connect with a Care Guide, who will help you understand your benefits and locate a participating provider.
  3. Your Care Guide coordinates everything—from prior authorizations to appointment scheduling—so you can focus on your health, not the paperwork.

This white-glove support model makes the process incredibly efficient for patients and helps reduce the financial burden that often comes with surgery or specialty care.

Why It Matters

Healthcare costs are one of the most common reasons people delay care. The Zero Card removes that barrier by giving patients access to experienced physicians—without the financial stress.


Benefits of the Zero Card:

  • No co-pays, deductibles, or hidden charges
  • Access to board-certified specialists
  • Personalized support from start to finish
  • Simplified scheduling and communication

At OBGYN Specialists of Tulsa, cost should never prevent someone from receiving the necessary care. Programs like the Zero Card align with our mission to provide compassionate, personalized care to women throughout Tulsa.

Here’s a visual breakdown of how the Zero Card process works for patients.


Frequently Asked Questions (FAQs)

What is the Zero Card?

The Zero Card is a health benefit that offers fully covered medical services through a network of providers, with no out-of-pocket cost to eligible employees and their families.

Who is eligible for the Zero Card?

Eligibility depends on your employer’s participation. Major employers in Oklahoma, like the University of Oklahoma and the City of Broken Arrow, offer this benefit. Check with your HR department or visit zero.health to learn more.

Does the Zero Card cover gynecologic surgery?

Yes. Surgeries such as hysterectomy and endometrial ablation are often covered, provided they’re medically necessary and performed by a participating provider.

Do I need to coordinate with my insurance?

No. The Zero Card Care Guide handles all coordination, authorizations, and communication with your provider.

Can I choose my provider with the Zero Card?

Yes, as long as the provider is part of the Zero Card network. OBGYN Specialists of Tulsa is proud to be a participating provider for gynecologic care in Tulsa.

Ready to Learn More?

If you’re a Zero Card member, we invite you to contact our office to explore your care options. Whether you’re considering gynecologic surgery or need a second opinion, our team is here to help you access the care you deserve—with clarity, comfort, and confidence.
Schedule an appointment or speak with a Zero Card Care Guide to begin.