Get Realm

Healthcare Plans*

We've Got You Covered.
From Day One.

First dollar healthcare coverage with cash benefits paid directly to you. No high deductibles. No coordination of benefits. No surprises.
Just real coverage that works when you need it.

Book a Call with a Realm Health Advisor See What's Covered

Guaranteed issue · First dollar coverage · Cash benefits · Portable

*Not applicable to Realm Health's level-funded plans. Your Realm Health advisor will explain which plans are covered.

What Makes It Different

Our Plan Highlights —
Five things every plan delivers from day one.

Realm Health plans are built around a simple promise: coverage that's convenient, direct, and actually works the way you'd expect healthcare to work.

Convenience

Convenient cash benefits with streamlined flexibility from day one.

Direct Payments

Benefits paid directly to the member or medical service provider.

Coverage

First dollar coverage, without any coordination or offset of benefits.

Freedom

Freedom to use the cash benefits however they're needed most.

Protection

Real protection for you and the whole family — spouse and children included.

What's Covered

Plan Coverage Benefits

Realm Health plans cover a broad range of medical services — from emergency care and hospitalization to outpatient visits, therapy, and more.

Benefits may vary based on plan selected. Specific coverage amounts and included services depend on the Realm Health plan you choose. Speak with a Realm Health advisor for plan-specific details.

Benefits

Hospitalization
Trips to the Emergency Room
Ambulance Services
Hospital Admission (including childbirth)
Physical, Occupational & Rehabilitative Therapy
Physicals & Other Well-Care Exams
Surgical Benefits
CT Scan
Outpatient Doctor's Office Visits
Pharmacy Benefits (discount or indemnity)
Diagnostic Lab Work, X-ray & Radiology Services
Confinement to an Intensive Care Unit
MRI
Private Duty Nursing
Home Healthcare
Hospitalization Due to Mental Illness & Substance Abuse

Coverage varies by plan. Specific benefit amounts, included services, and plan features may differ depending on the Realm Health plan you select. Speak with a Realm Health advisor for plan-specific details and to find the right fit for you or your team.

Plan Highlights

How Your Coverage Works —
Simple eligibility. No underwriting hurdles.

Eligibility

Full-time employees working at least 20 hours per week qualify for coverage. Contractors meeting the same hours-per-week threshold are eligible.

Guaranteed Issue

All coverage offered is guaranteed issue — everyone who applies qualifies. No medical underwriting, no health questions, and no medical exam required.

Issue Ages

Employee & spouse: 18 to 64 years old. Dependents: 14 days through 26th birthday (varies by state).

What Sets It Apart

Explore Our Other Plans

Healthcare is just the start. Realm Health offers a full suite of guaranteed-issue plans designed to layer together for coverage — under one relationship, one advisor, one point of contact.

Term Life

Guaranteed issue term life insurance with a level premium that never increases — and portable coverage that belongs to you, not your employer.

Critical Illness Benefit Booster Benefit Booster

A lump-sum cash benefit on first occurrence of cancer, heart attack, stroke, and more — paid directly to you with no restrictions on use.

Accident

Cash benefits for covered accidents on and off the job — with no coordination of benefits and an annual wellness benefit included with every plan.

Dental

Real dental coverage with a 12 month waiting period and 100% preventive care. Three tiers — preventive, basic, and major — built to actually get used.

Vision

Affordable vision care powered by XP Health — with AI-powered virtual try-on, 99,000+ exam locations, and premium lens features included.

Advocacy — Included with Certain Plans

Healthcare gets complicated. Realm Health advocates are real people who step in to help — before care, during care, and when the bills arrive. One phone call connects you to someone who can actually help.

Find in-network specialists near you
Billing statement questions and disputes
Insurance and claim resolution
Care navigation and coverage answers

Talk to an Advocate

Healthcare that works
from the moment you need it.

Start a conversation with a Realm Health advisor. We'll walk you through your options, explain how first-dollar coverage works, and help you find the right plan — for yourself, your family, or your entire team.

Book a Call with a Realm Health Advisor Call (844) 802-3842

Confidential · No obligation · No spam · Info@RealmHealth.com

What Happens Next

A Simple, Low-Pressure Process

We Learn About You

A Realm advisor learns your business, team, and goals — no jargon, no pressure.

We Identify Opportunities

We find ways to simplify, protect, and improve your healthcare approach.

We Outline Next Steps

If it makes sense, we move forward — clearly and at your pace. No hard sell.

Get In Touch

Have Questions About Your Coverage?

Our team is ready to help you find the right plan. Whether you have a question about enrollment, benefits, or pricing — we're just a message away. No obligation, no pressure.

Guaranteed issue — no medical underwriting required
Coverage starts on the first of the month after the date of enrollment
Licensed in 48 states. Realm Health and our agents are not licensed in NY and WA
Confidential — your information stays private