Lower the cost of care. Keep more control.
ShareWELL is designed to address major medical expenses through a healthcare-sharing community. MightyWELL can add everyday healthcare benefits such as preventive care, routine copays, prescriptions, labs, imaging and telemedicine.
Health sharing is not insurance. Membership and sharing are subject to the applicable program guidelines and terms.
Everyday care + major medical sharing
MightyWELL currently describes a model combining administered benefits with HealthShare for larger medical events.
Care
Prescriptions
Imaging
Share
Two different pieces can work together.
The goal is to separate everyday healthcare from the larger medical events that can create significant financial exposure. The exact benefits depend on the program and membership selected.
The big medical stuff.
ShareWELL is the core Health Share product presented on this page. Members voluntarily share eligible medical expenses according to the applicable membership guidelines.
- Hospitalization and major medical events
- Surgery and significant procedures
- Major illness and medical treatment
- Maternity benefits under program guidelines
- Provider flexibility without a traditional narrow network
The everyday care.
MightyWELL describes administered benefits that can be paired with HealthShare to address routine healthcare needs.
- Preventive services
- Routine copays
- Prescriptions
- Labs and imaging
- Telemedicine and virtual care
Designed around the way people actually use healthcare.
ShareWELL's current materials describe a healthcare-sharing approach that emphasizes provider choice, advocacy and negotiated medical costs rather than a conventional insurance network model.
Advocacy Support
Member support is available to help navigate medical bills, providers and the sharing process.
Provider Choice
ShareWELL describes the ability to use licensed providers without being limited to a traditional narrow network.
Major Medical Sharing
Eligible surgery, hospitalization, accidents and major medical events can be addressed according to the guidelines.
Prepayment
Approved procedures may be coordinated for payment in advance, helping members avoid unnecessary financial surprises.
Telemedicine
Depending on the selected program, telemedicine and virtual care benefits can be included.
Health Savings Options
Certain benefit arrangements can be structured alongside other healthcare and savings strategies.
A simpler way to understand the process.
The Health Share model is different from traditional insurance. Here's the basic flow.
Become a member
Choose the membership and applicable Unshareable Amount that fits your household and budget.
Receive care
Present yourself as a self-pay patient and use the provider that makes sense for your situation.
Submit the request
Eligible expenses above the applicable member responsibility can be submitted as a Sharing Request for consideration.
Your UA is an important part of the equation.
Health Share programs use a member responsibility often called a Unshareable Amount, or UA. Think of it as the amount you are responsible for before eligible expenses are considered for sharing under the applicable guidelines.
Lower member responsibility options generally correspond with higher monthly membership costs. Higher responsibility options generally correspond with lower monthly costs.
The exact options, eligibility rules and current pricing should always be confirmed when you request your quote.
Don't compare only the monthly payment.
The right comparison considers your monthly contribution, member responsibility, routine healthcare needs and how major medical expenses are handled.
- Monthly cost — what you contribute each month
- UA — your applicable member responsibility
- Provider choice — where you can receive care
- Everyday care — what routine benefits are included
- Guidelines — what is eligible for sharing
More flexibility around maternity care.
ShareWELL's current maternity materials describe support for home births, midwives and doulas, along with provider flexibility and a dedicated support process.
Maternity sharing is subject to eligibility requirements, waiting periods, applicable limits and the current membership guidelines.
Ask About MaternityMaternity highlights
- Homebirths are welcomed under applicable program guidelines
- Midwives and doulas can be part of the care model
- Provider flexibility is available
- A dedicated maternity support process is available
- A Reduce-Your-UA program may apply to qualifying maternity expenses
ShareWELL handles the big stuff. MightyWELL can fill in the everyday care.
MightyWELL currently describes a model that combines administered benefits with HealthShare for larger medical events.
Depending on the arrangement selected, that can create a more complete healthcare strategy around preventive care, routine visits, prescriptions, labs, imaging, telemedicine and major medical expenses.
Ask About MightyWELLEveryday care + major medical sharing
The combination is designed to address both routine healthcare and larger medical events, depending on the plan selected.
Start with what you actually need from healthcare.
There isn't one healthcare arrangement that makes sense for everyone. The best place to start is with your household, healthcare needs and budget.
It may be worth exploring if…
- You want to compare alternatives to traditional insurance
- You value flexibility in choosing healthcare providers
- You want to look at lower monthly healthcare costs
- You are comfortable understanding how Health Share guidelines work
- You want to consider everyday benefits alongside major-medical sharing
Questions we should discuss first
- Do you have existing or ongoing medical needs?
- Are there specific prescriptions or treatments you need?
- Are you planning a pregnancy?
- How much could you comfortably handle as a member responsibility?
- Do you need specific preventive or routine benefits?
A few important things to know.
Is ShareWELL health insurance?
No. ShareWELL is a Health Share program rather than traditional health insurance. Members participate in a healthcare-sharing community, and eligible medical expenses are considered for sharing according to the applicable membership guidelines.
Can I choose my own doctor?
ShareWELL describes provider flexibility without the traditional narrow-network structure. Provider arrangements and negotiated pricing can still affect the cost of care.
What is the UA?
UA stands for Unshareable Amount. It is the member responsibility that applies before eligible expenses are considered for sharing, subject to the current guidelines and circumstances of the request.
Can ShareWELL help with surgery?
ShareWELL's current materials describe surgery and hospitalization among the major medical expenses that may be eligible for sharing. Eligibility, prepayment and applicable guidelines should be confirmed before treatment.
What about maternity?
Maternity benefits are available under applicable program requirements. ShareWELL's current maternity information describes support for homebirths, midwives and doulas. Waiting periods, eligibility requirements and limits apply.
Why should I talk with Patriot Health?
Because the important question isn't simply, "What does it cost?" I can help you look at how the different pieces work, what you are trying to accomplish, and which questions you should answer before enrolling.
Tell me what you're trying to solve.
If you're looking for a lower-cost healthcare option, trying to understand Health Share, comparing your current coverage, or simply wondering whether ShareWELL or MightyWELL makes sense for your situation, contact me.
I'll help you understand the options before you make a decision.
Patriot Health
Ready to see your options?
You can review the available ShareWELL enrollment options, or contact me first and I'll walk through the process with you.