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For franchisors
Reef Health Benefits is the preferred benefits vendor for franchise systems across the country. We give owner-operators affordable health + wellness plans their teams will actually use, we handle enrollment and support at the unit level, and we never add work to your franchise support team.
*Members served on the care platform behind Reef Foundation plans.
These brands chose Reef because we do more than offer a plan. We show up at convention, onboard new owners, answer franchisee questions directly, and report back on adoption, so the program keeps delivering long after launch.
That 1 Painter
Residential & commercial painting
Pink's Windows
Window cleaning & home services
Action Exteriors
Roofing & exteriors
Monty's Handyman
Handyman services
Garage Up
Garage renovation
Signarama
Signage & graphics
Fully Promoted
Promotional products & branded apparel
Black Optix Tint
Automotive & window tinting
The Great Greek Mediterranean Grill
Fast-casual restaurant
Graze Craze
Charcuterie & catering
Transworld Business Advisors
Business brokerage
Exit Factor
Business exit planning
Cannoli Kitchen Pizza
Pizza restaurant
VODA
Cleaning & restoration
Reef's leadership team brings more than 40 years of combined experience in franchising: building franchise systems, developing franchisees and area representatives, supporting multi-unit operators, and standing in front of a room full of owners at convention when a vendor program did, and didn't, deliver.
We know the difference between a franchisor and a franchisee. We know why you can recommend but shouldn't require. And we know what it costs your field team when a vendor sells the brand and disappears at the unit level.
That experience is why the Reef franchisor program looks the way it does: nothing for the brand to administer, a direct relationship with every owner, and a plan priced so a ten-person location can actually say yes.
If you've tried to solve benefits for your system before, you've probably run into most of these.
A twelve-person location either can't get a quote or can't afford the one it gets. The owner gives up, and the benefits question lands on your field team.
You can't put the whole system on one group plan, and you shouldn't mandate one. But you're still the one franchisees call when they can't find coverage.
Preferred-vendor programs fail when the provider wants a logo on a slide and a slot at convention, but never shows up for the individual units after launch.
Double-digit increases every year land straight on an owner-operator's P&L. Eventually the plan gets dropped, and the location is back to offering nothing.
Hourly and front-line teams leave for the employer across the street that offers something. Recruiting and retention top the complaint list in most systems, and benefits are part of the answer.
When an employee gets a balance bill after a visit, they stop trusting the plan the owner is paying for. Nobody wins, least of all the owner.
We designed our franchisor program around the way franchising actually works: the brand recommends, the owner decides, and the vendor does the work.
No cost to the franchisor. Franchisees enroll directly with Reef. Your brand never touches contributions, eligibility, claims or employee data.
A dedicated franchise account lead for your system, plus a care team and enrollment support for each location. Questions come to us, not your field team.
Convention presence, regional meeting sessions, new-owner onboarding, and a briefing for your franchise business consultants so they can answer the first question and hand off the rest.
Co-branded enrollment materials and a dedicated landing page for your system, so owners recognize the program as something the brand stands behind.
Aggregate program metrics, locations enrolled and members covered, for your leadership team and franchise advisory council, with no protected health information.
"Our franchisees have access to affordable health benefits for their teams" is a real differentiator on discovery day, a selling point for multi-unit and conversion candidates, and a retention lever for the owners you already have.
Whole-person wellness
24/7 virtual primary care, plus in-person primary and urgent care.
Connect with a counselor remotely for support with stress and other mental health concerns.
$0 on eligible generics. Check your plan’s drug list for details.
Prescription formulary includes ~270 medications with zero out of pocket costs.
FitOn Health fitness locations, at-home workouts, and nutrition and mindfulness resources.
Reef Foundation is a pre-built health + wellness package designed for small employers, including franchise locations with as few as two employees. Each owner picks the tier that fits their location and budget, and every tier comes with the same care team.
Employee-only rates. Employee + spouse, employee + children and family tiers available. Owners can cover the employee-only cost and let team members buy up.
Designed around everyday care needs.
Everything in Routine Extended, plus hospital coverage.
Everything in Hospital Extended, plus additional protection.
Prices are higher than displayed above for individuals ages 60–64.
A real care team schedules visits, explains costs up front, and negotiates rates.
Costs are clear before the visit. No hidden markups from carriers, TPAs or PBMs.
In-network providers accept negotiated rates as payment in full.
The care team stops excess pricing from piling up, so renewals reflect what members actually needed.
One relationship across every location, whether you run them as one entity or several. Add a new store without starting over.
Enrollment on any date, not tied to open enrollment, a renewal, or the franchisor's calendar. A store that opens in March gets benefits in March.
A Routine Extended tier priced so an owner can cover 100% of the employee-only cost and still make the math work, with $0 virtual and in-network office visits when scheduled through the care team, so employees actually use it.
A care team licensed in all 50 states, and a member app in English and Spanish.
Predictable per-employee pricing and a care team that handles the hard parts: pre-negotiation, referrals, hospital discharge and follow-up.
Franchisees who already have a trusted broker can keep them. Reef plans are broker-compensated, and we work alongside the relationships your owners already have.
Reef Foundation employer plans are administered by Redirect Health and satisfy the ACA employer mandate's Penalty A (minimum essential coverage). Plans for groups of 20–49 also satisfy Penalty B (minimum value). Plan documents, Form 5500 and 1094/1095 reporting are coordinated for the owner.
Thirty minutes with our franchise team. Tell us about your system: unit count, typical location size, workforce, and where benefits questions come from today.
We build your brand's program: the right tiers and pricing for your typical location, co-branded materials, and a dedicated landing page and enrollment path.
A session at convention or your regional meetings, an owner webinar, a briefing for your FBCs, and an announcement your brand can send in its own voice.
Owners enroll directly with Reef, on their own timeline. We support every location, and report adoption back to you.
Select your brand to find your program.
Don't see your brand? Ask us about your location
If your franchisees are asking about benefits, or you're tired of being the one they ask, a thirty-minute call is the fastest way to see whether a preferred-vendor program with Reef fits your brand.
Book a call with our franchise team
