WeShare Health

WeShare Health: health care sharing as an alternative to traditional insurance

WeShare Health presents itself as a nonprofit health care sharing organization that serves as an alternative to traditional health insurance. Instead of paying premiums to an insurer, members make a voluntary monthly contribution intended to share the eligible medical expenses of other members of the community. The entity defines itself as a faith community open to Christians of any denomination, and notes that members share values and a commitment to caring for themselves and others.

How it works and differences from health insurance

The organization explains that traditional insurance is a contract in which the insurer is legally obligated to pay covered claims, while health care sharing is based on the voluntary participation of members through monthly contributions that help cover eligible medical bills. According to its approach, this model can offer potentially lower monthly costs, greater flexibility, and a community built on shared responsibility rather than profit. The entity states that members can save up to 60% compared to traditional health insurance.

Access to care and provider network

WeShare Health offers in-person and virtual care. Virtual care is available 24 hours a day, 7 days a week, through Amwell, while in-person care is provided through the national PHCS PPO network, which according to the entity includes more than one million doctors and specialists nationwide. The organization indicates that, in most cases, members can continue seeing their current doctor if they participate in the PHCS PPO network, and recommends providing the member ID and confirming the provider's participation when scheduling an appointment. It also mentions the possibility of using virtual telemedicine or CVS MinuteClinic locations in any state.

Pharmacy, mental health, and other included services

Membership includes pharmacy and prescription discounts at any of the approximately 68,000 participating pharmacies, as well as an additional discount program. Mental health support is offered through online therapy sessions and psychiatry visits at no additional cost. Discounts on dental, vision, and hearing services are also included, covering exams, glasses, LASIK, hearing aids, and other products. The entity notes that these resources are part of the membership and are intended to contribute to health care beyond care for specific problems.

Wellness and lifestyle resources

WeShare Health incorporates resources aimed at maintaining healthy habits. These include personalized weight management coaching, at $0 cost for members, and access to Fitbod's AI-powered workouts and more than 12,700 gyms through Active&Fit for $28 per month. A 50% discount on the first HelloFresh order and ongoing member discounts are also offered, as well as access to thousands of faith-based resources for the whole family in areas such as marriage and parenting.

Programs, eligibility, and enrollment process

The organization structures its programs for individuals and families, seniors, and employers. The enrollment process consists of three steps: choosing the program that fits the household, health needs, and budget; accessing a network doctor, either in person through the national PPO network or through a virtual appointment with Amwell; and having WeShare's support when an eligible medical need arises. The entity indicates that there is a $149 application fee and that interested parties can call its team or apply online. Health care sharing experts guide applicants through eligibility, program options, and pricing before enrollment.

Geographic coverage and admission conditions

WeShare Health notes that virtual telemedicine, CVS MinuteClinic locations, and in-network providers can be used from any state. However, to be a WeShare member, you cannot reside in Alaska, Hawaii, Massachusetts, Montana, North Dakota, or Washington. The organization warns that some pre-existing conditions may affect the suitability of WeShare as an option, and that an expert can review the guidelines before any commitment. Members commit to making responsible decisions regarding their physical, mental, and spiritual health and well-being.

Community size and ratings

The entity states that it has more than 100,000 members served and a PPO network of more than one million doctors and specialists, in addition to approximately 68,000 CVS Caremark pharmacies. On Google, according to the data shown on the site, it has a rating of 4.6 stars based on 1,481 members. The testimonials collected on the page mention experiences related to pregnancy and childbirth, total hip replacement, cancer treatments, and surgeries, as well as the ease of scheduling telehealth appointments and the attention of customer service.