Jane and Jillian both needed shoulder surgery and successfully recovered. However, their financial experiences were vastly different. Jillian, who thought she had the best approach with an expensive traditional plan, was shocked by how much she still had to spend. The combination of her $5,000 deductible, a $9,450 out-of-pocket maximum, and no coverage for acupuncture resulted in her paying $10,250. The frustration was compounded by bills that kept arriving for months after her surgery, adding stress to her recovery.

Jane, on the other hand, was a ShareWELL member with a $1,500 Unshared Amount (UA). Initially apprehensive about this unconventional and innovative approach, she quickly saw the benefits. She only needed to meet her $1,500 UA, with the rest of her expenses eligible for sharing within the ShareWELL community. Jane took advantage of ShareWELL’s option to prepay for her surgery, avoiding bills during her recovery. Her monthly ShareWELL cost was half that of Jillian’s plan, and she had the freedom to choose any provider without restrictions.

Both women recovered well, but Jane’s journey with ShareWELL was financially easier and less stressful. By prepaying and having a clear, limited financial responsibility, ShareWELL provided a supportive and straightforward path. In the end, Jane couldn’t have been happier with her decision to choose ShareWELL.