Terms of Use

Last updated: July 2025

Welcome to the website of NewPath Mutual Insurance Company ("NewPath Mutual," "we," "us," or "our"). These Terms of Use ("Terms") govern your access to and use of newpathmutual.com (the "Site"). By accessing or using the Site, you agree to be bound by these Terms. If you do not agree, please do not use the Site.

1. About NewPath Mutual

NewPath Mutual Insurance Company is a Utah-licensed group captive insurance company. Employer group health plans offered through NewPath Mutual are ERISA self-funded insurance plans administered by Redirect Health ("Plan Administrator" or "TPA"). Redirect Health and NewPath Mutual Insurance Company are separate legal entities.

2. Informational Purposes Only

The content on this Site is provided for general informational and marketing purposes only. It is not intended to constitute:

• A contract or guarantee of benefits
• An offer of insurance or a binding quote
• Medical, legal, tax, or financial advice
• A substitute for the actual Summary Plan Description (SPD)

All plan descriptions, benefit summaries, and pricing information on this Site are general overviews. Actual coverage details, limitations, exclusions, and terms are governed solely by the applicable Summary Plan Description (SPD) and plan documents provided upon enrollment. In the event of any conflict between the Site content and the SPD, the SPD controls.

3. Plan Pricing and Availability

Plan pricing shown on this Site reflects EverydayCARE® plan rates effective 10/1/2025 and includes a 6% broker commission. Rates are subject to change without notice. Plan availability may vary based on employer group size, location, and underwriting requirements. Individual medical questionnaires may be required for groups with fewer than 20 eligible employees.

The savings estimates, calculators, and comparisons presented on this Site are illustrative tools based on published market data (including the KFF Employer Health Benefits Survey 2024) and NewPath Mutual plan rates. Actual savings will vary based on workforce demographics, health profile, claims experience, and plan selection. No estimate on this Site constitutes a binding offer or guarantee of savings.

4. ACA Compliance Disclosures

EverydayCARE® Hospital and Hospital PLUS plans are designed to satisfy ACA Penalty A (Minimum Essential Coverage) and Penalty B (Minimum Value Plan). EverydayCARE® Routine Care is designed to satisfy ACA Penalty A (MEC) only. Compliance determinations depend on specific plan design and employer contribution levels. Employers should consult with their benefits advisor or legal counsel for compliance guidance specific to their situation.

5. Use of the Site

You agree to use the Site only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Site in any way that violates applicable federal, state, or local law
• Attempt to gain unauthorized access to any part of the Site, its servers, or connected systems
• Use the Site to transmit harmful code, spam, or unsolicited communications
• Reproduce, distribute, or create derivative works from the Site content without our written permission
• Use automated tools (bots, scrapers) to access the Site content

6. Intellectual Property

All content on this Site — including text, graphics, logos, icons, images, data compilations, and software — is the property of NewPath Mutual Insurance Company or its content suppliers and is protected by United States and international copyright, trademark, and other intellectual property laws.

"NewPath Mutual" and the NewPath Mutual logo are trademarks of NewPath Mutual Insurance Company. "EverydayCARE®," "Everyday 1to1®," "CareLogistics™," "ExtraHelp™," and "QuickPay™" are trademarks of Redirect Health. All other trademarks referenced on this Site are the property of their respective owners.

7. Third-Party Links and Services

This Site contains links to third-party websites, including but not limited to:

• Redirect Health (redirecthealth.com) — Plan Administrator and TPA
• KFF / Kaiser Family Foundation — Research data and citations
• Event registration and webinar platforms

These links are provided for your convenience. We do not control, endorse, or assume responsibility for the content, privacy policies, or practices of any third-party websites. Your interaction with third-party sites is governed by their respective terms and policies.

8. Disclaimer of Warranties

THE SITE AND ALL CONTENT, MATERIALS, AND TOOLS PROVIDED ON THE SITE ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, NEWPATH MUTUAL DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Site will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or timeliness of any content on the Site, including plan descriptions, pricing information, or savings estimates.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEWPATH MUTUAL INSURANCE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SITE, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, DATA, OR OTHER INTANGIBLE LOSSES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Our total liability for any claim arising out of or relating to these Terms or the Site shall not exceed the amount you paid to us (if any) in the twelve (12) months preceding the claim.

10. Indemnification

You agree to indemnify, defend, and hold harmless NewPath Mutual Insurance Company and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or related to your use of the Site, your violation of these Terms, or your violation of any applicable law or regulation.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law provisions. Any legal action or proceeding arising out of or relating to these Terms shall be brought exclusively in the state or federal courts located in Utah, and you consent to the personal jurisdiction of such courts.

12. ERISA Preemption

To the extent that any content on this Site relates to employer group health plans governed by the Employee Retirement Income Security Act of 1974 (ERISA), such plans are subject to federal ERISA standards. Nothing on this Site is intended to modify, supplement, or supersede the terms of any ERISA-governed plan document or Summary Plan Description.

13. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued use of the Site after any modifications constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.

14. Severability

If any provision of these Terms is found to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and NewPath Mutual Insurance Company regarding your use of the Site and supersede any prior agreements or communications.

NewPath Mutual Insurance Company is a Utah-licensed group captive insurance company. Redirect Health Administrator is the Plan TPA. Redirect Health and NewPath Mutual Insurance Company are not the same entity. For state-specific disclosures, visit RedirectHealth.com/state-disclosures.