Coverage that doesn't punish you for using it.

Reef Health is built for individuals, families, solopreneurs, and independent operators, as well as small businesses covering their teams. It is designed specifically for people whose options are otherwise a high-deductible plan they cannot afford to use or no coverage at all — self-employed workers, contract and gig workers, part-time employees, early retirees, and families paying for a marketplace plan they rarely touch.

Pricing is set and disclosed before the appointment, not billed afterward. On the Premium and Premium + tiers, labs, mental health tele-counseling, and prescriptions on the formulary carry no member cost, and generic medications and immunizations are $0 on every medical plan. For in-person visits, the Reef Health care team tells you your copay or member responsibility before you go and tells the provider's office how to bill the network, so the amount you hear is the amount you pay.

Yes. Reef Health plans cover households, including dependents. Dependents aged 16 and over should install the member app on their own phones so they can request care, view their membership card, and reach the care team directly. Pediatric care, well-child visits, and annual physicals are included on the Premium and Premium + tiers.

Reef Health's prescription advocacy team works the case rather than declining it. They check for a lower-cost generic on the formulary, escalate to Redirect Health's Chief Medical Officer to review adding the medication to a custom formulary at a lower copay, provide a short-term supply while pricing options are worked out, and look into manufacturer patient assistance programs, which often bring member cost to between $0 and $20. Activating your membership immediately after enrolling gives the team time to work upcoming refills before you need them.

Reef Health's dental and vision plan has no waiting period and can be used immediately, including for pre-existing conditions. For medical plans, Reef Health's care team confirms how your specific plan applies to your situation before you enroll — ask directly and they will tell you rather than leaving it to fine print.

Install the Redirect Health member app and select Medical Need. Describe what you need and choose a time, and a provider calls you at that time. If a prescription is needed it is sent to your preferred pharmacy; if further evaluation is needed the care team books an in-office appointment with your preferred provider and tells the office what you owe. Members who cannot use the app can call or text 888-407-7928 instead.