At ShareWELL, we believe healthcare should feel personal, transparent, and fair. That is why we have built our community around the concept of sharing — a simple but powerful idea that connects members directly with one another to help cover medical costs in a way that benefits everyone.
Unlike traditional insurance, ShareWELL operates on a collaborative model. When a member has a medical need, the community comes together to share the expense. It is not a faceless process. It is people supporting people. Each month, members contribute a set amount into the community pool, and those funds go directly toward sharing eligible medical expenses, guided by real pricing and clear communication.
Let’s look at a few real examples that show how sharing works in practice and how being a self-pay patient can create meaningful savings.
Example 1: Emergency Room Visit and Gallbladder Removal- See The ESS
A member received care through Doylestown Health after an emergency room visit that led to a gallbladder removal. The total billed amount for hospital services was $63,375.
By approaching the hospital as a self pay patient and coordinating payment directly, the billed amount was adjusted to a discounted and shared amount of $25,590.
Additional related costs included:
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Ultrasound: $160
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Surgeon: $3,420
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Member responsibility amount: $1,500
The total shared amount for this event came to $29,170, representing a substantial savings compared to traditional billed rates.
This example shows how members can take control of their medical expenses by requesting self-pay pricing, obtaining clear estimates, and taking advantage of direct payment opportunities with support from the ShareWELL team.
Example 2: Right Side Hydronephrosis- See The ESS
Another member sought treatment at Allina Health for right-sided hydronephrosis, a sudden and serious condition. The emergency room billed $34,902, which was reduced to a shared amount of $17,022 after self-pay pricing was applied.
Additional associated services included:
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Anesthesia: billed $3,736, shared amount $2,988
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Imaging: $3,740
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Surgery: $13,574
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Follow-up physician visit: $304
The total amount shared for this event was $37,326, which reflected both fair self-pay pricing and transparent sharing among the community.
Through this process, the member was able to see the complete breakdown of costs and savings in their Explanation of Sharing, which confirmed how each part of the bill was handled and what portion the community shared.
Example 3: Emergency Room Visit for Esophageal Tear- See The ESS
A member received care through Intermountain Health for an emergency esophageal tear. The hospital billed $201,271 for the stay and related services. After self-pay adjustments, the total was reduced to $33,469.
Other related charges included:
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Anesthesia: billed $5,247, adjusted to $3,413
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Additional services: total shared amount $40,932
This case demonstrates how powerful the combination of direct pay status, prompt payment, and transparency can be in reducing costs. Members gain peace of mind knowing that their medical bills are reviewed carefully and shared responsibly.
What Is an Explanation of Sharing
After every eligible medical need is processed, ShareWELL provides the member with an Explanation of Sharing. This document is similar to an insurance explanation of benefits, but it is clearer and more focused on community accountability.
The Explanation of Sharing outlines:
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The original billed amount received from the provider
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The self-pay or direct-pay discounts that were applied
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The final shared amount paid through the community
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The member’s UA responsibility, if any
This record helps every member see exactly how their medical need was shared and what savings were achieved. It reinforces the purpose of the ShareWELL model — to make healthcare expenses understandable, transparent, and community-driven.
Why This Matters
Every example of sharing at ShareWELL reflects a few core principles:
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Transparency: Members always see what care costs, how discounts are applied, and how funds are shared.
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Education: Members receive guidance on communicating directly with their providers, requesting Good Faith Estimates, and understanding payment options.
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Community: Each share is a reminder that healthcare can be people-centered, supportive, and fair.
Over time, this model creates something extraordinary — a Health Sharing community where trust, clarity, and care come first.
Building Credibility Through Real Results
Across hundreds of shared medical needs, ShareWELL members consistently see discounts ranging from 40 percent to 80 percent compared to standard billed rates. These savings come from fair self-pay pricing, prompt payment, and our commitment to transparency.
Each Explanation of Sharing provides full visibility into how medical bills are reviewed, adjusted, and shared. It is the proof that our process works — real numbers, real savings, real community support.
Sharing Well, Together
At ShareWELL, we are redefining what it means to care for one another through healthcare. Every time a bill is shared, a member experiences peace of mind, and another learns the power of fairness in medical pricing.
We are proud of how our process works, but even prouder of the people behind it. Together, we are proving that healthcare can be transparent, affordable, and most importantly, human.