About | Reef Health

Four things we brought back to healthcare.

None of this is a discount program bolted onto insurance. It's a different model, and every link we took out is a cost that never reaches you.

Concierge care navigation

A real care team schedules appointments, explains costs up front, and negotiates rates on your behalf. You're never handed a card and a phone tree.

Real price transparency

You find out what each part costs before it happens, not after every office has sent its own bill.

An end to balance billing surprises

Within our network, providers accept negotiated rates as full payment, so you're never billed the difference.

Before Reef vs. after Reef — a real visit

Before: $1,850 billed through insurance A member needed a saline flush and contact removal at urgent care, resulting in 15 minutes of care. Paid in cash, it should have been $175. Because insurance was in the mix, the provider billed the insurance company $1,850 for the same visit. The insurer paid part of it and pushed the rest of the balance back to the member.
After: $175 settled directly by Reef, so you pay nothing With Reef, the member messages the concierge care team before the visit. The team already knows what's going on and finds a convenient treatment center. The care team manages the bill directly with the provider and settles it on the spot. The member goes home with no hassle and no surprise bill.

And as a result…

Reduce annual price increases

When you get treatment without support, you end up with the most expensive outcome: no idea what anything costs until the bill arrives, treatment decisions shaped by provider revenue, and every visit pushed toward the highest price point. By the end of the year, that's what your rate is set against. Reef's care team stands between you and that system at every step, controlling the excess pricing instead of letting it accumulate, so your rate reflects what you actually needed.

Reef members see an average annual price increase of less than 4.5% over the last 13 years, compared to an industry average of roughly 15%.

Built on care that's already reached millions of people.

Reef Health is powered by Redirect Health, a direct-pay care model built and refined over years of serving real members, not a startup theory.

Our team works directly with the businesses and brokers evaluating the plan, because the people deciding whether Reef fits deserve a straight answer from someone who actually knows how it works, not a call center.

Because brokers and business owners are already looking for a better solution, not another rebrand of the same old model.

Premiums keep climbing and coverage keeps shrinking, and more brokers and employers are actively searching for an alternative to traditional group insurance. Most of what they find is the same network and the same carrier behind a new name.

Reef is one of the few plans that's actually built differently, and the businesses and brokers who look closely are the ones who notice.

We didn't start Reef to sell insurance. We started it because insurance stopped working.