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A PPO plan with a built-in $0 option. When cash pricing is lower, members pay nothing. If not, they use their PPO like normal.
Members don't have to guess which option is better.
We show them both — and guide them to the lower-cost choice.
Steering members to transparent cash pricing routinely outperforms negotiated network rates — especially on imaging, labs, and routine procedures.
Same network, same providers, same ID card. The PPO is always there as a fallback. No member is forced to use cash pricing — it's simply available when it makes sense.
RightRoute Pay is designed, developed, and managed by Baker Benefits — care navigation, funding, and plan administration coordinated under one roof. One integrated experience for your members, not a bolted-on carve-out.
Reach out to the care navigation team when you need care, or when pre-authorization is required. We'll explain your options.
Navigators research transparent cash pricing in your area and present alternatives side by side — cash option, PPO option, or both.
When cash pricing is meaningfully better (about 15%+ below PPO rates), the $0 option becomes available. Otherwise, your PPO benefits work as usual.
If you choose the cash option, funds are loaded onto your RightRoute Pay debit card. Hand it to the provider — that's it.
Independent imaging centers often price significantly below hospital-based PPO rates for the same scan.
Direct-to-consumer lab pricing is frequently a fraction of in-network billed rates.
Colonoscopies, sleep studies, and other shoppable procedures regularly come in below network-negotiated rates.
No. The plan keeps full PPO network access — the cash option is added on top. Members get more flexibility, not less.
No. The same hospitals and physicians often offer both insurance and cash pricing. Navigation identifies high-quality providers offering competitive rates.
No. Members can always choose to use their PPO benefits instead. RightRoute Pay guides toward the lower-cost option, but the PPO is always available.
Emergency services process under the PPO benefits as usual. Members should never delay emergency care to call navigation.
Yes. On HSA-qualified high-deductible plans, the deductible must be met first. Once met, members can use RightRoute Pay without drawing on HSA funds.
If a member uses their insurance card or pays out-of-pocket without going through navigation, the plan can't retroactively apply RightRoute Pay pricing.
RightRoute Pay is designed, developed,
and managed by Baker Benefits.
We coordinate the care navigation, the funding, and the plan administration — so brokers, employers, and members have a single point of contact for the entire experience.
Members, brokers, and HR teams — send a question about how RightRoute Pay works and we'll get back to you.
We've opened a pre-filled email to our team in your mail app. Send it and we'll get back to you shortly. If nothing opened, your question is still in the form above — copy it and email help@rightroutepay.com, or call (866) 991-4900.