How Does Health Sharing Work?
Health sharing works differently from traditional health insurance. While every program has its own rules, the basic concept is fairly simple.
Choose a Program
Select a health-sharing membership and level that fits your household and available program options.
Receive Care
When medical care is needed, you follow the guidelines established by your health-sharing program.
Eligible Expenses Are Reviewed
Medical expenses that meet the program's guidelines may be eligible for sharing according to your membership.
Health Sharing Can Be a Good Fit — But Not for Everyone
The goal isn't to convince everyone to join a health-share program. The goal is to understand your situation and decide whether it makes sense for you.
Health Sharing May Be Worth Exploring If...
- You're looking for alternatives to traditional health insurance.
- Monthly cost is an important consideration for your household.
- You're willing to understand and follow membership guidelines.
- You want to compare multiple health-sharing options.
- You understand that health sharing is different from insurance.
Things You Should Review Carefully
- Pre-existing condition guidelines.
- Prescription medication needs.
- Ongoing specialist or medical treatment.
- Provider and hospital preferences.
- Program limitations, exclusions, and member responsibilities.
Not Sure Which Option Makes Sense?
That's exactly where we can help. We'll walk through your situation, explain the differences between the programs, and help you understand your available options.
What Should You Look At Before Joining?
Monthly cost matters, but it shouldn't be the only thing you consider. A health-sharing program should be evaluated based on how it works with your actual healthcare needs.
Doctors & Providers
Understand how your preferred doctors, specialists, hospitals, and other healthcare providers work with the program.
Prescriptions
If you take regular medications, review how prescriptions are handled before choosing a membership.
Member Responsibility
Know what you may be responsible for before medical expenses become eligible for sharing.
Sharing Guidelines
Every program has rules that determine which medical expenses may or may not qualify for sharing.
Existing Medical Needs
Ongoing conditions and previous medical issues should be reviewed carefully before joining.
Your Household
The right option can depend on whether you're looking for individual, couple, or family membership.
You Don't Have to Figure This Out Alone
Choosing health coverage can get confusing quickly. Our job is to help you understand your options, ask the right questions, and make an informed decision.
Multiple Options
We can help you explore more than one health-sharing program.
Plain-English Explanations
We want you to understand what you're considering before making a decision.
Personal Help
You'll have someone you can call when you have questions instead of trying to figure everything out by yourself.
No Pressure
If a health-share option doesn't make sense for your situation, we'd rather tell you that than push you into one.
C&J Isbell Brokerage Group
We're an independent brokerage focused on helping individuals and families understand their health coverage choices.
Health sharing is one of several options available in today's healthcare market. Our role is to help you understand what you're looking at and determine whether it fits your needs.
Questions? Give us a call at 205-671-2835.
Health Sharing Questions
Here are some of the most common questions people have when first exploring health-sharing programs.
Is health sharing the same as health insurance?
No. Health-sharing programs are not traditional health insurance. They operate under membership guidelines that determine how eligible medical expenses may be shared.
Are medical expenses guaranteed to be paid?
Health-sharing programs generally do not operate like insurance contracts. Expenses must meet the program's sharing guidelines before they may be eligible for sharing.
Can families participate in health sharing?
Many health-sharing programs offer membership options for individuals, couples, and families. Availability and program structures vary.
What about pre-existing conditions?
Guidelines regarding pre-existing conditions vary by program and membership. This is an important area to review before enrolling.
Can I use my own doctor?
Provider arrangements vary by program. Before joining, you should review how the program works with the doctors, hospitals, and specialists you prefer.
How do I know whether MightWell or Clearwater is better for me?
There isn't one answer for everyone. Your healthcare needs, medications, providers, household, budget, and preferences should all be considered when comparing the two.
Ready to Explore Your Health Share Options?
Schedule a conversation with C&J Isbell Brokerage Group. We'll help you compare MightWell Health and Clearwater and answer your questions before you make a decision.