For Employers HR & Benefits Teams

Healthcare coverage
that actually makes
sense

NewPath Mutual replaces the guesswork of traditional insurance with a transparent, self-funded model — so you know exactly what you're paying for, and why.

Get a Quote See the Process

Your 5-Step Journey

1
Contact Redirect Health Start any medical need via the Member App — 24/7/365
2
Choose Your Doctor Select from 700,000+ providers or add your own
3
Physician Case Management Redirect Health coordinates care & pre-negotiates costs
4
Receive Care Go to your scheduled appointments as planned
5
Claims Paid Providers submit — we review and pay within 7 days
The Model

Self-funded isn't complicated.
It just works differently.

Instead of paying fixed premiums to a carrier regardless of claims, your company funds actual healthcare costs — and keeps what's left over.

The Old Way

Fixed monthly premiums to a carrier. They keep the profit when claims are low. Premiums rise every year. Zero visibility into where your dollars go.

The NewPath Way

Your company funds actual healthcare costs, pays only what employees use, and gains full transparency into claims. As a mutual, your success is our success — no shareholders.

Stop-Loss Protection

Catastrophic claims are covered by stop-loss insurance — so your company is never exposed to runaway costs. Self-funded savings with a defined risk ceiling.

The Process

From enrollment to claim —
here's exactly what happens

Redirect Health handles every step of care navigation and claims processing. Employees never face the system alone.

1

Contact Redirect Health First

Start every need through the Member App or call/text — 24/7/365, English and Spanish.

2

Choose a Doctor

Select from 700,000+ network providers, or add your own doctor 48 hours in advance.

3

Physician-to-Physician Management

A Redirect Health clinician coordinates directly with your doctor — reducing costs and unnecessary care.

4

Advocacy & Funding

Redirect Health arranges negotiates costs on your behalf, manages alternative funding and when needed can co-ordinate financial assistance.

5

Claims Paid

Provider submits the claim. Redirect Health reviews and pays — most providers paid within 7 days via QuickPay.

Plan Options

Three tiers built for
every workforce

All plans include the Everyday 1to1® platform — your employees' 24/7 medical director — at no added cost.

Employee/Employer plan pricing shown below
Entry Tier
Routine Care
From $164
/mo per employee only
  • 24/7 Virtual Primary & Urgent Care
  • In-Office Primary Care — $0 copay
  • Annual Physical & Well Child
  • Mental Health Tele-Counseling — $0
  • Basic Labs & X-Rays — $0
  • 12 Free Chiropractic Visits/Year
  • Hospital, Specialist & Imaging not included
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Most Popular
Hospital
From $453
/mo per employee only
  • Everything in Routine Care
  • Specialist Visits — $50 copay
  • MRI, CT, PET Scans — $50 copay
  • Hospital Inpatient & Outpatient
  • ER: $500 copay + 20% coinsurance
  • $2,000 deductible | $4,000 OOP max
  • Standard Lab & Rx Coverage
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Most Comprehensive
Hospital PLUS
From $562
/mo per employee only
  • Everything in Hospital
  • Expanded Lab Coverage
  • Expanded Rx Formulary
  • Dialysis & Skilled Nursing Included
  • Embedded Deductible
  • $4,000 individual out-of-pocket max
  • Satisfies ACA Penalty A & B
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Full Tier Pricing — Employee/Employer Plans
Coverage Tier Routine Care Hospital Hospital PLUS
Employee Only $164 $453 $562
Employee + Spouse $294 $895 $1,119
Employee + Child(ren) $294 $927 $1,157
Employee + Family $436 $1,310 $1,627

Rates effective 10/1/2025. Source: EverydayCARE® Plan Pricing — Redirect Health®. Prices include 6% broker commission. This is an ERISA self-funded insurance plan managed by Redirect Health. Refer to actual Summary Plan Description (SPD) for coverage details, limitations, and exclusions. Hospital & Hospital PLUS plans satisfy ACA Penalty A (MEC) & Penalty B (MVP).

Common Questions

Answers employers
actually need

NewPath Mutual is a self-insured health plan. Employers fund actual claims while stop-loss insurance protects against catastrophic costs. It's governed by federal ERISA standards, just like plans offered by many large employers.
NewPath Mutual serves small to mid-sized businesses — typically 20 to 500+ employees. Our plans are designed to give smaller companies access to the same cost savings and transparency that large employers have long enjoyed through self-insurance.
Yes. Employees have access to over 700,000 network providers via the Multiplan PHCS network. If their doctor isn't in-network, they can request to add them — typically within 48 hours. Redirect Health handles the coordination so employees can focus on their care.
Our partner and plan administrator, Redirect Health manages the entire process — from care navigation to claims payment. Employees contact Redirect Health first, a care team coordinates directly with their provider, and most claims are paid within 7 days via QuickPay.
Every NewPath Mutual plan includes stop-loss insurance. This means your exposure is capped at a defined ceiling — if a claim exceeds the threshold, stop-loss coverage kicks in to protect your company from financial risk.
Yes. The group EverydayCARE® plan with Hospital and Hospital Plus satisfy both ACA Penalty A (Minimum Essential Coverage) and Penalty B (Minimum Value Plan). Redirect Health also helps coordinate HRAs, COBRA, and required 5500, PCORI, and 1094/1095 forms.