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We provide easy to manage solutions for your employees.

HPB Insurance Group is committed to helping you live your best life. Redirect Health will help you get the care you need while spending less.

Competitive recruitment.
Increase retention.
Lower healthcare spend. Better care.

With insurance premiums still on the rise, businesses across America have increasingly struggled to provide quality care for their employees. With Redirect Health your business can provide quality healthcare at a price you can actually afford.

Invest in Your Team’s Health:
Smarter Benefits That Deliver

EverydayCARE® makes healthcare simple and affordable for small and mid-size businesses. Give employees 24/7 access to care—without high premiums or hidden costs. The result: stronger hiring, lower turnover, and benefits that fit your budget.

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EverydayCARE®1
Routine Care

$0 routine care, 24/7 virtual visits, mental health, labs, chiropractic

Member Only - $164

Member + Spouse - $294

Member + Child(ren) - $294

Member + Family - $436

  • Virtual Primary Care (24/7/365)
  • In-Office Primary & Urgent Care
  • Pediatric Care
  • Annual Adult Physical3 & Well Child3
  • Chiropractic (12 free visits per year)
  • X-rays

$0 copay

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 copay4

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 copay5

In-Network or Out-of-Network Visit

without 48 Hour Pre-Authorization

$0 copay

Labs - View Labs

with 48 Hour Pre-Authorization

$0 copay

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

Copays may vary depending on pharmacy location, quantity, and dosage
Discount program - prices may vary depending on pharmacy location, quantity & dosage with 48 Hour Pre-Authorization

$0 copay

Virtual Specialist Curbside Consult6

with 48 Hour Pre-Authorization

Everyday 1to1® CareLogistics™

Get the healthcare you need without spending more than you should Appointment scheduling, Referrals, Navigation Negotiations, Alternative funding mgmt. Cost of Services is 100% Member Responsibility

Excluded Services8

Organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty & non-formulary medications

ACA Compliance

Satisfies Penalty A (MEC)

Minimum Employer Contribution

100% of Primary Member Only

Minimum Employer Participation

50% of Full-Time Employees

Multiplan PHPCS Practitioner Only Network

(or add a doctor 48 Hours prior to visit)9

EverydayCARE®1, 2
Hospital

Routine Care + hospital coverage, specialists, and imaging

Member Only - $453

Member + Spouse - $895

Member + Child(ren) - $927

Member + Family - $1310

  • Virtual Primary Care (24/7/365)
  • In-Office Primary & Urgent Care
  • Pediatric Care
  • Annual Adult Physical3 & Well Child3
  • Chiropractic (12 free visits per year)
  • X-rays

$0 copay

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 copay4

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 copay5

In-Network or Out-of-Network Visit

without 48 Hour Pre-Authorization

$0 copay

Labs - View Labs

with 48 Hour Pre-Authorization

$0 copay

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

Copays may vary depending on pharmacy location, quantity, and dosage
Discount program - prices may vary depending on pharmacy location, quantity & dosage with 48 Hour Pre-Authorization

$0 copay

Virtual Specialist Curbside Consult6

with 48 Hour Pre-Authorization

Specialist Consults & Care

$50 copay5

with 48 Hour Pre-Authorization

$50 copay5

MRI, PET, CT scans, ultrasound, mammogram and other imaging

with 48 Hour Pre-Authorization

Hospital Care - Inpatient & Outpatient7

Individual - plan year

$2,000 deductible
20% coinsurance | $4,000 out-of-pocket max4

Family - plan year

$4,000 deductible
20% coinsurance | $6,000 out-of-pocket max4

Emergency Room

$500 copay + 20% coinsurance

Excluded Services8

Organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty & non-formulary medications

Everyday 1to1® CareLogistics™

Get the healthcare you need without spending more than you should Appointment scheduling, Referrals, Navigation Negotiations, Alternative funding mgmt. Cost of Services is 100% Member Responsibility

ACA Compliance

Satisfies Penalty A (MEC)

Minimum Employer Contribution

50% of Primary Member Only

Minimum Employer Participation

50% of Full-Time Employees

Multiplan PHPCS Practitioner Only Network

(or add a doctor 48 Hours prior to visit)9

EverydayCARE®1, 2
Hospital PLUS

Hospital + expanded labs, Rx benefits, reduced exclusions

Member Only - $562

Member + Spouse - $1119

Member + Child(ren) - $1157

Member + Family - $1627

  • Virtual Primary Care (24/7/365)
  • In-Office Primary & Urgent Care
  • Pediatric Care
  • Annual Adult Physical3 & Well Child3
  • Chiropractic (12 free visits per year)
  • X-rays

$0 copay

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 copay4

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 copay5

In-Network or Out-of-Network Visit

without 48 Hour Pre-Authorization

$0 copay

Labs - View Labs

with 48 Hour Pre-Authorization

$0 copay

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

Copays may vary depending on pharmacy location, quantity, and dosage
Discount program - prices may vary depending on pharmacy location, quantity & dosage with 48 Hour Pre-Authorization

$0 copay

Virtual Specialist Curbside Consult6

with 48 Hour Pre-Authorization

Specialist Consults & Care

$50 copay5

with 48 Hour Pre-Authorization

$50 copay5

MRI, PET, CT scans, ultrasound, mammogram and other imaging

with 48 Hour Pre-Authorization

Hospital Care - Inpatient & Outpatient7

Individual - plan year

$2,000 deductible
20% coinsurance | $4,000 out-of-pocket max4

Family - plan year

$4,000 deductible
20% coinsurance | $6,000 out-of-pocket max4

Emergency Room

$500 copay + 20% coinsurance

Excluded Services8

Organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty & non-formulary medications

ACA Compliance

Satisfies Penalty A (MEC)

Minimum Employer Contribution

50% of Primary Member Only

Minimum Employer Participation

50% of Full-Time Employees

Multiplan PHPCS Practitioner Only Network

(or add a doctor 48 Hours prior to visit)9

  • 1 This program is an ERISA self-funded insurance plan managed by Redirect Health. See program guide for details. Routine care can always be $0 when Redirect Health prepares your appointment. This overview is intended only as an illustration of the benefit plan design. Please refer to your Plan Document for actual coverage, limitation, and exclusion provisions.
  • 2 Any doctor who accepts the Redirect Health Usual, Customary & Reasonable (UCR) Agreement can be in-network.
  • 3 Routine physical/exam; gynecological exam; mammogram; pap smear; prostate testing(PSA); other routine lab and immunizations. In-network routine endoscopy, colonoscopy, sigmoidoscopy, vision or hearing screening for children, and x-ray will also be included at no cost (with authorization) when required by provisions of the Affordable Care Act. Visit www.hrsa.gov for all Minimum Essential Coverage as outlined by the Affordable Care Act.
  • 4 Deductible, coinsurance and copay counts toward max out-of-pocket on eligible benefits only.
  • 5 Maximum allowable is 140% of Medicare allowable.
  • 6 A Redirect Health medical professional will interact with specialist on the members behalf.
  • 7 Pre-authorization REQUIRED for ALL NONEMERGENCY Care.
  • 8 See Summary Plan Document (SPD).
  • 9 ALE Minimum contribution is the greater of 50% of employee only or 8.39% (2024).

EverydayCARE® Group Benefit Summaries

Below are our comphrensive Group Benefit Summaries

24/7 Primary Care in Your Pocket

Give your employees instant access to trusted providers anytime, anywhere—right from our app.