Simple, Easy & Truly Affordable Healthcare
The Health Insurance Gal is committed to helping our clients live their best life by providing them with quality healthcare products, tools and resources they need to make an informed decision on their healthcare.
Who is Redirect Health?
Redirect Health is a physician-owned and operated cost-sharing company that provides affordable, direct primary care membership plans with no copays for routine visits, as well as access to high-quality specialists and hospitals.
Your Membership Includes
24-Hour Access to Care
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National Direct Primary Care
Virtual and in-office visits
Hospitalization
Protection against high-dollar medical expenses
Routine Labs
Never pay more than you should
Prescription Benefits
Tiered copays
($10, $25, $50, $100, $250, $500)
Chiropractic
Includes 12 in-office visits per year
Mental Health
No Cost Tele-Counseling
Right Care at the Right Price
Never pay more than you should
In/Out of Network Flexibility
Freedom to choose your own provider
$0 Member Responsibility
- Primary Care-24/7 virtual & in-office URGENT Care
- Chiropractic Office Visits
- Lab Benefits
- X-Rays
- Mental Health Counseling
Specialist & Advanced Imaging
$50 copay-Specialist, MRI & CT scans, ultrasounds, and other imaging.
Hospitalization
Individual Initial Responsibility
$2,000 / $4,000 Out-of-Pocket Maximum
Family Initial Responsibility
$4,000 / $6,000 Out-of-Pocket Maximum
Emergency Room
Client Testimonials
Overall Financial Exposure
Individual Initial Responsibility
$2,000 + 20% coinsurance / $4,000 Out-of-Pocket Maximum = $6,000 per individual
Family Initial Responsibility
$4,000 +20% coinsurance / $6,000 Out-of-Pocket Maximum=10,000 per family
How Pre-Existing Conditions are shared
A condition is considered pre-existing for a member or dependent if symptoms or treatment have occurred within the 12 months prior to joining the Medical Cost Share. See the Membership Guidelines for detailed description of what will be considered a pre-existing condition. Controlled diabetes, hypertension, high cholesterol, seasonal allergies and intermittent asthma will not be considered pre-existing when reported prior to membership effective date.
Conditions beginning after a member’s effective date will be shared after paying their $2,000 initial member responsibility then 20% with a maximum out-of-pocket of $4,000^ per year. See the Membership Guidelines for sharing rules.
Additional Sharing Restrictions
See Member Guidelines for detailed shareable restrictions.
Pre-existing conditions become eligible for sharing based on members’ tenure with the plan, as indicated by the following graduated sharing schedule:
| Time After Membership Effective Date | Shareable |
|---|---|
| First 12 months | Not shareable |
| Months 13-24 | Shareable to $25,000 |
| Months 25-36 | Shareable to $50,000 |
| Month 37 and after | Shareable to $125,000 |
DISCLAIMER: Pre-existing conditions may impact eligibility or create limitations/exclusions that should be taken into account before signing up for coverage.