We rebuilt the model - making the top health benefits affordable for small businesses.
The health insurance industry is broken. Making health care unaffordable and unattainable.
Stop overpaying for health benefits. Get comprehensive coverage including health insurance, dental, vision, and wellness programs at 40% less than traditional providers.
Benefits trusted by top brands and over 100,000 members nation-wide.
+100,000 MEMBERS
Health insurance costs your business a fortune because middlemen take a cut.
It's a dinosaur model that profited billions last year alone. You're left with the bill, and that's IF you're even covered. Healthcare shouldn't feel like financial roulette every time you go see the doctor.
You deserve better. So do individuals and families.
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Health Insurance
profited a whopping
$603B in 2024
alone.
We changed the game so you get assurance, not more "insurance."
What if going to the doctor was as easy as flipping on a light switch? No guessing, no surprises—just care when you need it, without the financial headache.
That's health assurance - Preventative care, real coverage, and benefits you can trust—all at a fraction of the cost.
The bottom line?
Save money on healthcare + offer top benefits for better retention.
From healthcare coverage you can trust to gym memberships, mental health, and more, Reef health benefits is about to save your business a lot of money.
Save money on healthcare
What Our Members Say
Real feedback from individuals and families who've experienced the Reef difference in their health coverage.
No Regrets Switching
We switched from Blue Cross and have no regrets. The coverage is comprehensive and the cost savings are significant.
Better Health Coverage
Reef helped provide better health coverage significantly. Our team loves the benefits and it shows in their satisfaction.
Huge Value & Convenience
Huge value and incredible convenience. The platform is easy to use and the benefits are exactly what we needed.
Easy Appointments
Easy to schedule appointments and the 24/7 telehealth access has been a game-changer for our team.
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Healthcare is a maze. Our VIP Concierge team clears the path for you.
Powered by our parent company, Redirect Health, our health insurance saves you up to 40% on health plans with transparent pricing and no markups. Provide meaningful health benefits for individuals and families for just a few dollars a day, including mental health benefits and virtual primary care.
Your new health benefits
Comprehensive coverage with $0 deductibles
Medical
24/7/365 virtual primary care, urgent care, and telehealth. No fee generic medications and hospital coverage included.
Mental
Nationwide mental health benefits and virtual support for your wellbeing.
Physical
Access to 20k+ gyms and 4k virtual fitness classes nationwide.
Financial + Social
Save $5,000+ through 400+ national wellness discounts. Plus networking opportunities for owners and franchisees.
How we made healthcare affordable.
Removes the middleman in business health plans
Uses real-time tech for efficient care access
Transparent pricing with no markups
We're the end-provider—not a reseller
Choose Your Plan
Affordable small business health insurance with transparent pricing and no markups. All plans include comprehensive coverage.
Dental and Vision Plan
Benefits Include
- No waiting periods--use immediately, even for pre-existing conditions
- Pay the discounted price directly at participating dentists
- Dental 40-60% discounts off all dental service
- Vision 20-40% off all vision and eyewear or Lasik surgery
Foundation Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- White-glove appointment scheduling, referrals, and cost negotiation
Premium Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- In-office Primary & Urgent Care
- Pediatric Care
- Annual physicals & well-child visits
- 12 Chiropractic visits/year
- $0 Labs, Mental Health Tele-Counseling, and Rx
- Virtual Specialist Curbside Consult
Premium Plus Plan
Benefits Include
- Access to 20,000+ gyms & 4,000+ virtual fitness classes
- Up to 40% off at 400+ wellness retailers
- Exclusive wellness perks and discounts
- 24/7 Virtual Primary Care
- $0 generic medications & immunizations
- Everyday 1to1® Care Navigation:
- In-office Primary & Urgent Care
- Pediatric Care
- Annual physicals & well-child visits
- 12 Chiropractic visits/year
- $0 Labs, Mental Health Tele-Counseling, and Rx
- Virtual Specialist Curbside Consult
- Hospital coverage for serious medical events
- Lower financial risk and out-of-pocket costs
How It Works
Book Your Call / Apply to Join
Start your journey with a simple call or application to join our network of satisfied members.
Build Your Plan
Customize your health benefits package to fit your business needs and budget perfectly.
Onboard + Save / Enjoy
Complete the quick onboarding process and start saving money while enjoying comprehensive health benefits.
Already a Member?
Access your member dashboard, discounts, wellness tools, and more through our Member Portal.
Frequently Asked
Questions
Got questions about Reef Health? We’ve got answers. Find out how we’re different from traditional health insurance.
