We provide easy to manage solutions for your employees.
Reef Health 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.
Starter Plan
Health + Fitness Classes at 20k facilities + 4k virtual classes.
Health and Wellness Discounts, up to 40% off at 400 national retailers.
Members Only, Owner Networking
Foundation
Everyday 1to1®
Premium
EverydayCARE®1
Premium PLUS
EverydayCARE® Hospital1,2
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Member Only
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$99
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$199
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$479
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Member + Spouse
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$189
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$349
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$879
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Member + Child(ren)
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$189
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$349
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$919
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Member + Family
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$269
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$499
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$1299
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Your Company’s 24/7 Medical Director |
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Health and Fitness Classes at over 20k facilities and 4k virtual classes |
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Health and Wellness Discounts unlocking up to 40% off at over 400 national retailers |
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$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 |
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 |
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(Basic)
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(Standard)
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$0 copay Mental Health Tele-Counseling with 48 Hour Pre-Authorization |
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Rx & Immunizations - View Formulary Copays may vary depending on pharmacy location, quantity, and dosage with 48 Hour Pre-Authorization |
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(ACA Included)
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(ACA Included)
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$0 copay Virtual Specialist Curbside Consult6 with 48 Hour Pre-Authorization |
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Specialist Consults & Care $50 member responsibility5 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 |
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$50 member responsibility5 MRI, PET, CT scans, ultrasound, mammogram and other imaging with 48 Hour Pre-Authorization |
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Hospital Care - Inpatient & Outpatient7 Individual - plan year
$2,000 initial member responsibility Family - plan year
$4,000 initial member responsibility Emergency Room $500 + 20% member responsibility |
(Non-Embedded Deductible)
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Excluded Services8 Organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty & non-formulary medications. Pre-existing condition limitations may not apply for Groups with 20 or more Primary Members (Medical Questionnaires of all participants required). |
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 |
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Multiplan (or add a doctor 48 Hours prior to visit)9 |
Open Network
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Premium
EverydayCARE®1
Member Only - $199
Member + Spouse - $349
Member + Child(ren) - $349
Member + Family - $499
Your Company’s 24/7 Medical Director
Health and Fitness Classes
at over 20k facilities and 4k virtual classes
Health and Wellness Discounts
unlocking up to 40% off at over 400 national retailers
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Virtual Primary Care (24/7/365)
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In-Office Primary & Urgent Care
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Pediatric Care
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Annual Adult Physical3 & Well Child
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Chiropractic (12 free visits per year)
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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
Mental Health Tele-Counseling
with 48 Hour Pre-Authorization
Rx & Immunizations - View Formulary
Many generic medications with $0 copay. Copays may vary depending on pharmacy location, quantity, and 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. Pre-existing condition limitations may not apply for Groups with 20 or more Primary Members (Medical Questionnaires of all participants required).
Multiplan 
Practitioner Only Network
(or add a doctor 48 Hours prior to visit)9
Premium PLUS
EverydayCARE® Hospital1,2
Member Only - $479
Member + Spouse - $879
Member + Child(ren) - $919
Member + Family - $1299
Your Company’s 24/7 Medical Director
Health and Fitness Classes
at over 20k facilities and 4k virtual classes
Health and Wellness Discounts
unlocking up to 40% off at over 400 national retailers
-
Virtual Primary Care (24/7/365)
-
In-Office Primary & Urgent Care
-
Pediatric Care
-
Annual Adult Physical3 & Well Child
-
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
Mental Health Tele-Counseling
with 48 Hour Pre-Authorization
Rx & Immunizations - View Formulary
Copays may vary depending on pharmacy location, quantity, and dosage
with 48 Hour Pre-Authorization
$0 copay
Virtual Specialist Curbside Consult6
with 48 Hour Pre-Authorization
Specialist Consults & Care
$50 member responsibility5
with 48 Hour Pre-Authorization
$50 member responsibility5
MRI, PET, CT scans, ultrasound, mammogram and other imaging
with 48 Hour Pre-Authorization
Hospital Care - Inpatient & Outpatient7
Individual - plan year
$2,000 initial member responsibility
20% co-share | $4,000 out-of-pocket max4
Family - plan year
$4,000 initial member responsibility
20% co-share | $6,000 out-of-pocket max4
Emergency Room
$500 + 20% member responsibility
Excluded Services8
Organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty & non-formulary medications. Pre-existing condition limitations may not apply for Groups with 20 or more Primary Members (Medical Questionnaires of all participants required).
Multiplan Practitioner Only Network
(or add a doctor 48 Hours prior to visit)9
- 1 The EverydayCARE program is an Employer self-insured health plan managed by Redirect Health exclusively for members of the Modern Business Council. The captive risk pool in managed by Newpath Mutual Insurance Company (see Summary Plan Description for details). The Medical Cost Share risk pool is managed by Newpath Medical Inc., a Wyoming Health Sharing Ministry organized pursuant to Wyo. Stat. Ann. 26-1-104 (see Membership Guidelines for details).
- 2 Special enrollment requirements apply in order to qualify for Specific Deductible Waivers. Medical Questionnaires may be required.
- 3 Routine physical exam; gynecological exam; screening mammogram; PAP smear; prostate testing (PSA); routine lab and immunizations; and all other ACA required Preventive Screening with pre-authorization.
- 4 Eligible benefits subject to initial member responsibility counts toward max out-of-pocket. Excludes prescription drug benefits, excluded pre-existing conditions, and subject to program sublimits.
- 5 Maximum allowable charge is 140% of Medicare allowable or as negotiated by Redirect Health but not to exceed UCR.
- 6 A Redirect Health medical professional will interact with specialist on the member’s behalf.
- 7 Pre-authorization REQUIRED for ALL NON-EMERGENCY care or no benefit will apply.
- 8 See Membership Guidelines and Summary Plan Description.
- 9 Any doctor who accepts the Redirect Health Usual, Customary and Reasonable (UCR) Agreement can be in-network.
EverydayCARE® Group Benefit Summaries
24/7 Primary Care in Your Pocket
Give your employees instant access to trusted providers anytime, anywhere—right from our app.
