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8% commission
Nationwide network
Not a repackaged PPO

A plan you can actually put your name behind.

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Brokers are already looking for something else. Most of what they find isn't it.

Aren't you tired of finding the same old plan in a new package? Your clients need more than another game of hide-the-cost.

Every year, more brokers go looking for an alternative to traditional group coverage, and most of what they find is the same network, the same billing surprises, and the same insurance carrier standing behind it, just with a new name on the folder.

Reef isn't that. We're not a repackaged PPO. We removed the parts that made insurance insurance in the first place, and we can show you exactly what's different.

The four things your clients will actually notice.

Protect their bottom line: reduce annual increases

Routine care gets handled directly, so small visits don't quietly drive up your client's renewal. It's something you can actually show them at year two.

Real price transparency

Costs known before the visit, and a concrete answer when a client asks “how is this actually different from what we have now.”

An end to balance billing surprises

Within our network, providers accept negotiated rates as full payment. That's one less bill your client has to call you about.

Concierge care navigation

You know how every other plan makes your clients chase down a 1-800 number and hope they made the right call? We don't do that. Our care team works like a client's support team and advisor combined for every medical decision, on their side, every step, so nobody's left guessing whether they did it right.

How It Works

Becoming a Reef Health broker partner is simple and straightforward

Become a Broker Partner

Submit your broker interest form and connect with our onboarding team for a short introduction and setup call.

Get Access to Tools and Training

We'll provide you with branded marketing materials and sales enablement resources.

Start Selling and Earning

You'll earn recurring monthly commissions on every active member - with no production minimums, no territories, and support every step of the way.

Broker Benefits

Everything you need to succeed as a Reef Health broker partner

Scalable Income Potential

Earn high recurring commissions on individuals, families, and small groups.

Full Marketing Support

Access custom lead forms, automation, and co-branded digital assets to help grow your client base.

Dedicated Broker Support

Our onboarding and account management team ensures your clients are smoothly implemented and retained.

National Coverage

Sell anywhere in the U.S. - all plans are powered by Redirect Health's nationwide network.

No Territories or Quotas

You control your growth - we simply provide the tools and the team to help you win.

Better commission. Better story to tell your book.

8% Broker commission

Reef pays brokers 8%, a stronger split than most alternative plans offer, on a plan you can actually stand behind when a client asks how it's different.

Built by looking at the traditional model and flipping it, not repackaging it.

Reef runs on Redirect Health's infrastructure. Redirect Health holds TPA, medical, and broker licenses in all 50 states, with nationwide plan availability through the Multiplan PHCS Practitioner Network, the same network backing every plan on this site.

Every client gets a dedicated Client Success Advocate, and every broker gets their own healthcare consultant, not a shared support line.

You're not introducing your clients to an untested model. You're bringing them something that's already running at scale.

900,000+

providers

3.5M

appointments scheduled

$250M+

saved for members nationwide

Healthcare Professional
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Frequently Asked

Reef Health is not traditional insurance. It's a cost-effective, tech-driven healthcare solution tailored for small businesses, solopreneurs, families, and individuals. Unlike traditional insurers that inflate costs, often charging 8-10 times more than cash pay while prioritizing profits over people, Reef Health eliminates unnecessary markups and administrative barriers, ensuring transparent pricing and seamless access to quality healthcare without the risk of denied coverage.

Unlike traditional insurance, Reef Health:
• Eliminates expensive middlemen (insurance carriers, third-party administrators, and pharmacy benefit managers)
• Offers direct-to-provider national access for lower costs and better care
• Provides concierge-level support for a seamless healthcare experience
• Ensures transparent, upfront pricing with no hidden fees
It's a fair question, and the honest answer is that traditional insurance isn't actually built to keep your costs low; it's built to manage its own loss ratio, which is the industry's own term for the percentage of your premium it has to pay out in claims. Every visit you make works against that number from the insurer's side. Layer on a pharmacy network administrator, a claims processor, and increasingly a pharmacy and physician network that all answer to the same parent company, and you end up with several businesses each taking a cut of the same visit, all optimized around the same goal: minimizing what gets paid out.

Reef works differently because we're not managing a loss ratio. We work directly with providers, so there's no chain of intermediaries each adding their own markup, and no incentive working against you every time you need care. That's how the pricing stays real instead of inflated. And the math is simple: if a $1,850 billed visit actually costs $175 through Reef, that's a 90% reduction on that one visit alone, before you even factor in what it means for your rate at renewal.
Reef Health is designed for:
• Individuals and Families
• Small businesses
• Independent operators

Whether you own a single location or multiple businesses, Reef Health provides flexible, scalable healthcare solutions tailored to your budget and employee needs.
Yes! Reef Health plans comply with ACA regulations in multiple ways:

Part A (Minimum Essential Coverage)
The Hospital and Hospital Plus plans meet MEC requirements.

Part B (Affordability Standard)
In 2024, ACA affordability is based on 8.39% of an employee's household income. In 2025, it's projected to rise to 9.02%.

Reef Health's employer-sponsored plans make ACA compliance simple for Applicable Large Employers (ALEs) with 50+ employees. For ALEs needing affordable and compliant healthcare solutions, Reef Health provides a cost-effective alternative that meets minimum contribution requirements.
Yes! Reef Health provides nationwide coverage.

Employees across all 50 states can access:
• Virtual care & telehealth
• Direct provider and hospital care
• Concierge support for seamless healthcare navigation

No matter where your employees are located, they can receive high-quality, affordable care.
Reef Health offers customizable plans that may include:
• 24/7 Virtual Care (Telehealth Services)
• Preventive & Primary Care
• Urgent Care & Hospitalization Support
• Prescription Drug Savings
• Mental Health & Wellness Services
• Chiropractic & Alternative Therapies
• Specialist Care Coordination

Our goal is to provide comprehensive coverage without high deductibles or surprise costs.
Reef Health works directly with pharmacies, eliminating pharmacy benefit managers (PBMs) that inflate drug prices.

Prescription Benefits:
• No-cost generic medications included in many plans
• Discounted brand-name drugs through direct pharmacy partnerships
• Transparent pricing so members always know their costs upfront

By cutting out PBMs, Reef Health ensures lower prescription costs for both businesses and employees.
No! You can keep their preferred doctors while still benefiting from Reef Health's cost-saving approach.

Members have three options:
• Use Reef Health's direct provider network
• Visit out-of-network providers with cost-saving guidance
• Access telehealth & virtual care for added convenience

If a doctor is currently out-of-network, Reef Health will work to onboard them, with a high success rate in making them an in-network provider.
Employers can choose from three contribution models:
• Fully fund coverage for employees
• Partially fund the cost
• Allow employees to self-pay

Employer contributions start at $199 per employee per month for hospital and in-person care, significantly lower than traditional insurance premiums.

Reef Health provides flexible options to fit any business budget.
Yes! Reef Health can be used as a standalone alternative or as a supplement to traditional insurance.

Why businesses add Reef Health:
• Up to 40% cost savings over traditional plans
• Affordable options for part-time & uninsured employees
• Lower healthcare expenses while maintaining essential benefits
• Concierge-level service with fewer out-of-pocket expenses

Many businesses use Reef Health to provide flexible and affordable healthcare solutions while reducing overall insurance costs.
Enrollment is simple and hassle-free!

1. Fill out an online contact form
2. Schedule a call with our sales & support team
3. Select the right plan & complete enrollment
4. Gain immediate access to:
• Virtual care
• Concierge support
• In-network services

Reef Health's integrated technology makes it easy for businesses to manage enrollment, billing, and employee healthcare access without the red tape of traditional insurance.
Reef Health partners with the PHCS Practitioner Network (through MultiPlan) for its in-person care network. This gives members access to roughly 1 million doctors, hospitals, and healthcare professionals nationwide. Since Reef Health is able to onboard any doctor, they consider themselves to be in Open Network.

In addition to PHCS, Reef Health also leverages Redirect Health's own Care Navigation services to schedule care, manage costs, and optimize member experience, providing 24/7 virtual care, referrals, and case management to ensure the best possible outcomes at the most affordable prices.

Summary:
• In-Person Care Network: PHCS Practitioner Only Network (MultiPlan) – roughly 1 million providers.
• Virtual and Navigation Support: Redirect Health's 24/7 Care Team through the Redirect Health Member App.

Important: Members can also request to add a doctor to the network with 48 hours' notice if their preferred provider isn't already listed.
Yes, you can still use a doctor who is not currently in-network!

Reef Health makes it simple:
• You can request to add your preferred doctor to the network by notifying Redirect Health at least 48 hours before your visit.
• Redirect Health will work to negotiate and add the doctor under their Usual, Customary, and Reasonable (UCR) agreement.
• If the doctor agrees, your visit will be treated as in-network with minimal or no additional costs.
• If the doctor does not accept the agreement, you can still see them, but out-of-network costs may apply.

Summary:
• Submit a request 48 hours in advance to add your preferred doctor.
• Redirect Health will attempt to add the doctor to the network.
• If successful: Your visit is treated as in-network.
• If not: You can still proceed, but at out-of-network rates of $20.

Always contact the Redirect Health Care Team through the Member App for assistance before your appointment!
The best way to use your healthcare plan is to start by downloading the Redirect Health Member App. If you have any dependents 16+, ensure that they have the App downloaded on their phones as well to ensure a seamless experience.
Start by downloading the Redirect Health Member App and selecting \"Prescription Refills.\" Simply fill out the requested fields and a Redirect Health Provider will reach out at a time that works best for you to discuss further. We always aim to find the most affordable price for your prescriptions and work directly with your preferred pharmacy to set up your prescriptions. Just like with any change of insurance you may see changes in what is covered on your new insurance's formulary. To view overview pricing for prescriptions, you can view the Rx Formulary. If you are unable to download the App, you can also request a prescription refill at RedirectHealth.com/ExtraHelp or by texting or calling us at 888-407-7928.

Did You Know? Most times the same prescription can be found at a significantly lower cost by visiting a pharmacy within a grocery store.
We still recommend contacting Redirect Health to make sure you are getting the best pricing. If you get to the pharmacy and they tell you a price that does not match your copay tier, call Redirect Health right away. Chances are the pharmacy is not running your card correctly or needs to update your insurance information. We will call that pharmacy in real time to make sure you have the correct pricing.
We absolutely have many solutions for these kinds of prescriptions. Below are the solutions our Prescription Advocacy Team can help with. Please note this is why we highly encourage members to activate immediately after enrolling. This will spark our care and provider team to begin working on any upcoming refills or pricing solutions.

• Look to see if there is a cheaper generic version. You can provide our Redirect Health Formulary to your prescribing providers to see if there is another medication on our formulary for a lower price that your provider recommends
• Our Chief Medical Officer, Dr. Johnston, can personally review your case to see if we can add your prescription to your custom formulary at a lower copay or provide you with a week to two-week supply at a lower copay to allow our care team time to provide more pricing solutions.
• Did you know most prescriptions can also be found in Canada for half of the price? Our Prescription Advocacy Team is always happy to look into these options for you! However, please note, due to FDA regulations, some drugs may not be allowed within the United States just yet.
• Look into Patient Assistance Programs directly through the drug manufacturer. Most program members can still get their medications from a $0-$20 cost. Contact us and we will help discover what you may be eligible for.
Scheduling is easy! All you need to do is download the Redirect Health Member App and click on \"Medical Need\" to be guided through the medical need process. A Redirect Health Provider will call you at your selected time to discuss further. If you need a prescription, we will fill it for you at your preferred pharmacy. If further evaluation is needed, an in-office appointment will be scheduled for you with your preferred provider and at a time that works best for you. If you are unable to download the App, you can also schedule an appointment by calling or texting us at 888-407-7928.
We take care of this for you after you submit your Medical Need in the Member App! We will help you schedule your appointment and inform the office of your copay or member responsibility. We will also explain to them how they will need to submit a claim to the MultiPlan PHCS network for proper billing.
Simply let us know through the Redirect Health Member App as soon as you are aware of the appointment time so we can document the appointment and let you know what your expected copay or member responsibility will be. If you are unable to download the App, you can also notify us by calling or texting us at 888-407-7928.
After downloading the Redirect Health Member App, simply select the option \"Medical Need\" and provide some details about what specialist or imaging you need. The Care Team will reach out to you at a preferred time to confirm what is needed. The Team will locate the best price for your care and set up an appointment at a time and location that works best for you. If you are unable to download the App, you can also give us a call at 888-407-7928. To view overview pricing for labs, view the Lab Formulary.
Your ID card for you and all of your dependents is in the Redirect Health Member App. Simply download the app and click \"My Membership Card\" to view. If you are unable to download the App, you can also request a digital/physical card at RedirectHealth.com/ExtraHelp or by texting or calling us at 888-407-7928.
We find that when one our members receive a bill from a facility, this usually means either:

A. Your visit may have not been guided by our team, so the facility wasn't given the appropriate information for billing.
OR
B. The facility didn't send us a claim, even though your visit was guided.

That's okay! Just let us know by submitting your bill in the Redirect Health Member App. We will contact your provider to ensure they send us a claim so we can submit payment appropriately, per your plan benefits. When you submit a bill, please be aware that your provider must also submit a claim in order for Redirect Health to pay it. Claims can take up to 45 days for payment to be completed. If you are unable to download the App, you can also submit bills or receipts at RedirectHealth.com/ExtraHelp or by texting or calling us at 888-407-7928.
We know in a serious emergency you may not be able to give us a call or text right away. Please call 911 and visit the ER. As soon as you are able to, please contact us in the Redirect Health Member App or by calling us at 888-407-7928 to let us know which ER you are at so we can start coordinating your visit. You may also show a provider your ID card and they can give us a call to let us know you are there.
Health first. You can contact us through the Redirect Health Member App. We will immediately begin coordinating with the provider and facility and negotiate the rates, so you get the best pricing. From there, we will work with you from beginning to end to explain your member responsibility, your aftercare, and any follow-up appointments. If you are unable to download the App, you can let us know about your upcoming surgery at RedirectHealth.com/ExtraHelp or by texting or calling us at 888-407-7928.

Bring us your next hard-to-place group.

Tell us what you're working on, we'll tell you straight whether Reef fits.

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