Making the Switch to ShareWELL: A Positive Change for Employees
Switching from a traditional group plan to ShareWELL can feel like a big change, but it’s one that brings significant advantages. ShareWELL provides a fresh approach to managing healthcare, offering more control over your healthcare decisions and the freedom to choose the best care for you and your family. What makes ShareWELL especially appealing is its flexibility—not just in the freedom to choose your provider but in the ability to customize your healthcare options by combining various products to fit your unique needs.
Freedom to Choose Any Clinician
A benefit of ShareWELL is the freedom it offers when choosing healthcare providers that are not limited to small networks that we have become accustomed to navigating. Whether it’s a doctor you’ve been seeing for years or a specialist you need to consult with, you will have more freedom to see the clinicians you choose.
This means you have the freedom to seek out the best care available without worrying about whether a provider is “in-network.” You’re in control of your healthcare decisions and can prioritize quality care over bureaucratic restrictions. This level of autonomy can alleviate the frustration many experience with more rigid healthcare systems, and it’s one of the key reasons employees find ShareWELL appealing.
True Flexibility: Customizing Your Healthcare Package
When we talk about flexibility with ShareWELL, we’re not just referring to the ability to keep your doctor—you also have the freedom to customize your healthcare package by combining ShareWELL with other healthcare-related products. Many employers offer ShareWELL alongside complimentary plans, virtual care, advocacy services, direct primary care, dental, vision, and wellness options, allowing employees to build a healthcare solution that fits their specific needs.
This means that instead of the one-size-fits-all approach typical of traditional plans, you can choose the services that make the most sense for you and your family. For example, you might use ShareWELL for general healthcare needs but opt for an additional wellness plan or extra coverage for specific treatments. This ability to mix and match products allows you to create a more tailored and cost-effective healthcare solution.
This flexibility can also help you avoid paying for services you don’t need. With traditional setups, you may be paying for blanket coverage that doesn’t fit your specific situation. But with the ShareWELL approach, you can decide exactly what’s important to you, saving money while still ensuring you’re fully covered where it matters most.
Lower Cost For Employers and Employees
One of the most appealing aspects of ShareWELL is the potential for significantly lower monthly contributions. As a community-based system, ShareWELL allows members to share healthcare costs, which often leads to lower overall expenses compared to traditional plans. This sharing model reduces the financial burden of healthcare without compromising the quality of care.
For employees, this means more manageable healthcare costs, allowing them to allocate savings toward other financial goals. However, the benefits go beyond individual savings—employers also stand to save. Employers can reinvest those savings into their benefits packages by paying less for healthcare. For instance, if an employer is paying half as much for healthcare through ShareWELL, they may be able to cover a more significant portion of other benefits, like retirement contributions or wellness programs, which further enhances the overall compensation package for employees.
This cost-saving structure creates a win-win situation: employees get the flexibility and coverage they need, while employers can expand their benefits offerings without increasing costs. And with ShareWELL’s transparent, predictable costs, there are no hidden fees or unexpected charges to worry about.
Understanding Limitations: Pre-Existing Conditions
While ShareWELL offers considerable benefits, it’s important to understand that it may not be the best fit for every employee or family member. The flexibility and cost savings of ShareWELL come with some limitations, particularly when it comes to pre-existing conditions. ShareWELL may have restrictions on coverage for certain pre-existing medical conditions, and these limitations could impact how well it serves the needs of specific individuals.
For some families, this might mean that purchasing a traditional plan, which tends to offer more immediate and comprehensive coverage for pre-existing conditions, is a better choice for specific family members. This blend of solutions—using ShareWELL for most families while choosing a traditional plan for those who need it—helps balance costs and coverage.
Balancing Customization with Overall Savings
While a one-size-fits-all approach can seem more convenient, it often leads to unnecessary healthcare spending. Traditional group plans tend to offer broad coverage, but that usually includes services that many employees don’t need. This blanket approach can result in higher premiums and more overall healthcare costs.
ShareWELL, by contrast, offers the chance to save money by only paying for the coverage that’s truly needed. By combining ShareWELL with other plans and products, employees can customize their healthcare offerings to fit their needs, often leading to lower overall costs.
ShareWELL aims to provide employees with the most overall healthcare savings while offering flexibility and choice. Even though customizing your healthcare might seem more complex upfront, the long-term savings and ability to get the right coverage are well worth it.
A Transparent and Supportive Community
At the heart of ShareWELL is its community-based approach with advocacy support for all its members. Members contribute to one another’s medical expenses, fostering a supportive and transparent environment. Unlike traditional plans that can feel impersonal, ShareWELL encourages a sense of connection and shared responsibility among its members. You’re not just another policy number—you’re part of a group working together to manage healthcare costs effectively.
A More Personal Approach to Healthcare
ShareWELL offers employees the chance to take control of their healthcare in a flexible, personalized, and cost-effective way. By understanding the limitations, particularly regarding pre-existing conditions, employees can make informed decisions about whether ShareWELL is the right fit for them and their families.
This customizable approach—where you can mix and match healthcare products—empowers you to create a healthcare solution tailored to your needs. While it may take more thought upfront, the potential for savings and freedom of choice makes it a compelling alternative to traditional group plans.