Rocky Mountain Life Plus Insurance

Affordable Healthcare For You and Your Family

Individuals and their families have access to simple and affordable medical plans that feature $0 for routine primary care and low out-of-pocket costs for hospitalization.

Experience the benefits of real savings, 24/7 access, and the dedicated attention you deserve.

At Redirect Health, we prioritize your well-being by ensuring you have all the time and support you need, while eliminating unnecessary expenses. Our members can attest to the guidance and care they receive. It’s our commitment to provide you with convenient and truly affordable healthcare that suits your needs.

We Put People First! Care Navigation works for everyone.

Finally! Healthcare on your terms - access care anytime, from anywhere, 24/7/365.

Everything you want in a Healthcare App, and More

Access Your ID Card(s)

Speak with a Medical Provider

Access Plan Details

Renew Prescriptions

Update Your Information

Submit receipts or billing questions

Start with the Redirect Health Member App

  • Available to answer any questions 24/7/365 in English and Spanish

  • If you have a medical need simply use the Member App, call or text

  • Our Care Team is made up of healthcare experts and medical providers

We Navigate and Coordinate Your Care

  • We’ll help you determine if virtual, in-person, urgent, or emergency care is needed

  • Connect to a virtual medical provider at a convenient time for you who will determine if further in-office care is needed

  • We’ll assist with any next steps, such as in-office visit scheduling or filling prescriptions at a near-by pharmacy so you never waste any time

Follow-Up that Matters

  • We find you the right level of care to address your medical needs, so you never pay more than you should

  • Whether you had a virtual or in-person visit, we follow-up after your visit to make sure your care plan is staying on track

  • Ever have a question? The Care Team is available 24/7/365

Your Health, Your Way:
Choose a Healthcare Plan That Fits You!

Discover EverydayCARE® - the healthcare plan that offers no-cost coverage for your most common needs giving you 24/7 access to care with less worry and more support.

Step 1: Select your age range:

Step 2: Select your coverage:

iEverydayCARE® Routine Care

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

Primary Member Only

$ 145 per month
Enroll Now

iEverydayCARE® Hospital

Routine Care + hospital coverage, specialists, and imaging

Primary Member Only

$ 349 per month
Enroll Now

iEverydayCARE® Hospital PLUS

Hospital + expanded labs, Rx benefits, reduced exclusions

Primary Member Only

$ 424 per month
Enroll Now
  • 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 member responsibility

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 member responsibility

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 member responsibility4

In-Network or Out-of-Network Visit

with 48 Hour Pre-Authorization

$0 member responsibility

Labs - View Labs

with 48 Hour Pre-Authorization

$0 member responsibility

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

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

Care Navigation Only

Appointment preparation, coordination, navigation, alternative funding management, and pre-negotiations
100% Member Responsibility

Excluded Services7

Pre-existing conditions, organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty and non-formulary medications

  • 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 member responsibility

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 member responsibility

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 member responsibility4

In-Network or Out-of-Network Visit

with 48 Hour Pre-Authorization

$0 member responsibility

Labs - View Labs

with 48 Hour Pre-Authorization

$0 member responsibility

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

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

Specialist Consults & Care

$50 member responsibility4

Specialist Consults & Care

with 48 Hour Pre-Authorization

$50 member responsibility4

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

with 48 Hour Pre-Authorization

Hospital Care - Inpatient & Outpatient

Individual

$2,000 initial member responsibility
20% co-share | $4,000 out-of-pocket max6

Family

$4,000 initial member responsibility
20% co-share | $6,000 out-of-pocket max6

Emergency Room

$500 + 20% member responsibility

Excluded Services7

Pre-existing conditions, organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty and non-formulary medications

Care Navigation Only

Appointment preparation, coordination, navigation, alternative funding management, and pre-negotiations
100% Member Responsibility

  • 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 member responsibility

Virtual and In-Network Office Visit

with 48 Hour Pre-Authorization

$20 member responsibility

Out-of-Network Office Visit

with 48 Hour Pre-Authorization

$50 member responsibility4

In-Network or Out-of-Network Visit

with 48 Hour Pre-Authorization

$0 member responsibility

Labs - View Labs

with 48 Hour Pre-Authorization

$0 member responsibility

Mental Health Tele-Counseling

with 48 Hour Pre-Authorization

Rx & Immunizations - View Formulary

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

$50 member responsibility4

Specialist Consults & Care

with 48 Hour Pre-Authorization

$50 member responsibility4

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

with 48 Hour Pre-Authorization

Hospital Care - Inpatient & Outpatient

Individual

$2,000 initial member responsibility 20% co-share | $4,000 out-of-pocket max4

Family

$4,000 initial member responsibility 20% co-share | $6,000 out-of-pocket max4

Emergency Room

$500 initial member responsibility + 20% co-share

Excluded Services7

Pre-existing conditions, organ transplants, dialysis, skilled nursing, advanced psychiatric care and specialty and non-formulary medications

Additional chemotherapy

$30,000 sharing limit

Dialysis

$10,000 sharing limit

Skilled nursing

$5,000 sharing limit

Air ambulance

$5,000 sharing limit

Pre-existing exclusions apply

12 month look back

Is Redirect Health Right for You and Your Family?

Hear from our members about why Redirect Health is right for you

How your membership works

Get the most out of your healthcare by following these simple steps.

  • What if I need care?

    Always use the Member App to schedule care and prepare for your appointments. Many times you’ll get everything you need over the phone. Your Care Team will make sure you always get the right care. Never spend more than you should.

  • What if I get a bill?

    Submit doctor’s bills through the SECURE Member App (but most times we’ll pay your doctor before you get a bill)

  • What if I have extra questions?

    Expedite any request or obstacle on the Member App or use RedirectHealth.com/ExtraHelp

How Needs are Shared with the Community

Your Redirect Health membership protects you and your family from high-dollar medical expenses

  • 1

    Contact us FIRST

    Always contact Redirect Health FIRST to initiate any medical need 24/7/365 - the Member App is the best way.

  • 2

    Choose a doctor

    A medical provider will be recommended or you can choose your own from a large network. You can even add a doctor

  • 3

    Physician-to-Physician case management

    A Redirect Health clinician coordinates with your doctor to facilitate care and prevent unnecessary missed work and spending. Streamlined coordination, navigation & pre-negotiation is our goal.

  • 4

    Advocacy

    Redirect Health will arrange and coordinate qualifying financial assistance programs, manage alternative funding options, and pre-negotiate costs of services.

  • 5

    Claims payment

    Redirect Health assembles and reviews claims and submits them to the Plan Administrator for payment.

How Pre-Existing Conditions are Shared

(iEverydayCARE Hospitalization Only)

A condition is considered pre-existing for a member or dependent if symptoms or treatment have occurred within the 12 months prior to joining the Medical Cost Share. See the Membership Guidelines for detailed description of what will be considered a pre-existing condition. Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.

Conditions beginning after a member’s effective date will be shared after paying a $2,000 initial member responsibility then 20% with a maximum out-of-pocket of $4,000^ per year. See the Membership Guidelines for sharing rules.

Additional Sharing Restrictions and Limitations See Member Guidelines.

Pre-existing conditions become eligible for sharing based on members’ tenure with the plan, as indicated by the following graduated sharing schedule:

Time After Membership Effective Date Shareable
First 12 months Not shareable
Months 13-24 Shareable to $25,000
Months 25-36 Shareable to $50,000
Months 37 and after Shareable to $125,000
  • 1 This program is NOT insurance. iEverydayCARE is managed by Redirect Health exclusively for members of the Reimagined Society. The Medical Cost Share risk pool is managed by Newpath Medical Inc., a Wyoming Medical Cost Share organized pursuant to Wyo. Stat. Ann. 26-1-104. See program guide for details. Redirect Heath and Newpath Medical Inc. are not insurance companies. This program does NOT meet the minimum requirements for MEC (Minimal Essential Coverage) or the ACA (Affordable Care Act). New Jersey, Massachusetts, Vermont, California, Rhode Island and the District of Columbia have passed their own state-level individual mandate laws that mirror the Federal Affordable Care Act. Redirect Health and Medical Cost Share memberships do not satisfy the new individual mandate requirements of these states. It should be expected that state enforced penalties may apply in these states. See State Specific Disclosures for more information regarding program limitations.
  • 2 Any doctor who accepts the Redirect Health Usual, Customary & Reasonable (UCR) Agreement can be in-network This overview is intended only as an illustration of the benefit plan design. Please refer to Membership Guidelines for actual coverage, limitation, and exclusion provisions.
  • 3 Routine physical/exam; gynecological exam; screening mammogram; pap smear; prostate testing(PSA); other routine lab and immunizations.
  • 4 Maximum allowable is 140% of Medicare allowable.
  • 5 Pre-authorization REQUIRED for ALL NON-EMERGENCY Care.
  • 6 PEligible benefits subject to initial primary responsibility and primary co-shares counts toward max out-of-pocket. Excludes prescription drug benefits, pre-existing conditions, and subject to program sub-limits.
  • 7 See Membership Guidelines for coverage limitations and details.
  • 8 Maximum sharing after initial responsibility.