How the Debt-Free Health Plan Works
Implementing the Debt-Free Health Plan for your organization is a streamlined process designed to maximize benefits for both you and your employees. It begins with a collaborative approach to understand your specific needs and seamlessly integrate our innovative solution.
To start, you'll provide a detailed census, allowing us to deliver a comprehensive proposal tailored to your team. Once the proposal is reviewed and approved, our dedicated team will work closely with you and your payroll provider to manage the necessary documentation and ensure an effective enrollment process, making the transition as smooth as possible.
Once the plan is in place, your employees gain immediate access to comprehensive care with virtually no out-of-pocket costs. The core of the employee experience revolves around our intuitive member platform: when a medical need arises, employees simply contact us first, ideally through the Member App.
With this system, unexpected medical bills are largely eliminated, as deductibles and coinsurance are reimbursed, fostering a healthier, more confident workforce.
Plan Compliance and Management
Predictive and Proactive Healthcare
"Always Contact Us FIRST" for Access
Provider Choice and Network Access
Streamlined Claims and Financial Assistance
Physician-to-Physician Case Management & Follow-Up
A Seamless Journey from Setup to Savings
Our proven process ensures that integrating the Debt-Free Health Plan into your organization is efficient and effective, delivering a superior healthcare experience that benefits everyone.
Employer Onboarding
Setting the Foundation for Success
Your journey with the Debt-Free Health Plan begins with a strategic partnership focused on compliance and proactive management. Our dedicated team meticulously ensures your company's insurance plan adheres to all ERISA and Affordable Care Act (ACA) regulations.
We handle the complex coordination of necessary documentation, including HRAs, COBRA, and required 5500, PCORI, and 1094/1095 forms, alleviating administrative burden for your team. Furthermore, our approach incorporates predictive healthcare: even before your plan's effective date, we begin analyzing your employees' typical healthcare needs and potential obstacles, allowing us to implement proactive and smart solutions from day one.
This foundational setup means your plan is not just compliant, but intelligently managed for optimal outcomes and cost containment.
Employee Experience
Effortless Access, Everyday Peace of Mind
Once the plan is activated, your employees will discover a truly simplified and worry-free healthcare experience. The core principle is simple: "Always contact us FIRST" for any medical need, ideally through the intuitive Member App, available 24/7/365.
Our system guides them through the process, recommending qualified medical providers or allowing them to choose their own from our extensive network, with the unique option to even add a doctor to the network.
Behind the scenes, we manage everything to ensure financial peace of mind. Your providers send claims directly to our Plan Administrator, where Redirect Health meticulously reviews and submits them for payment.
We go further by arranging and coordinating qualifying financial assistance programs, managing alternative funding options, and pre-negotiating costs of services to ensure the most favorable outcomes.
For complex cases, our Physician-to-Physician Case Management means a Redirect Health clinician coordinates directly with your employee's doctor, streamlining care and preventing unnecessary missed work or spending.
This proactive, guided approach, combined with consistent follow-up, means your employees receive the right care at the right price, truly experiencing healthcare without the burden of unexpected bills.