How ShareWELL works
Defined member responsibility. Transparent cost sharing.
Your unshared amount
Alex visits the ER for an unexpected injury.
The total bill is $18,500.
Alex pays $2,500; the community shares $16,000.
- Alex’s unshared amount
- $2,500
- Shared by the community
- $16,000
- Per incident or annual, depending on plan
- No surprise bills beyond your defined amount
Pre-existing conditions
- Months 1–12
Limited sharing
Waiting period with limited sharing.
- Months 13–24
Graduated sharing
Graduated sharing up to $25K, increasing over time.
- Month 25+
Full sharing
After 24 continuous months: up to $125K/year under plan guidelines.
New conditions after enrollment are eligible from day one.
Built on stability
- 10,000+
- members served
- 91%
- utilization efficiency
- 120%
- reserve ratio
- Audited
- annual review
Real bills. Shared together.
- $2.1M
- shared toward eligible medical needs since October 2024
- $2.3M
- negotiated off members’ bills by our concierge team
- ~43%
- average bill reduction
ShareWELL members voluntarily share eligible medical expenses. It is not insurance and does not guarantee any bill will be shared. Approximate figures, October 2024 through October 2026.
How claims work
Visit any provider
No restrictive networks.
Submit your claim
Your provider submits it.
Community shares
Eligible amounts are shared.
Stay informed
Notified at every stage.
ShareWELL FAQ
Your unshared amount is your defined responsibility — similar to a deductible. Once met, eligible expenses are shared by the community.
Yes — your plan documents outline specific sharing details and any applicable limits.
The same way — the community shares eligible amounts beyond your unshared responsibility.
Pre-existing condition timelines are clearly defined at enrollment. See the section above for details.
Claims are processed promptly, with notification at each stage.
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