HealthCare Share Program
Why Choose WABS HealthShare Program?
A Non-Insurance based Health Solution to maintain good health for severe medical conditions.
Our mission is to change the healthcare industry by connecting like-minded individuals to an innovative and affordable medical cost-sharing community.
Unlike insurance, the focus of HealthCare Share is to provide an avenue for members to help each other with their healthcare expenses. Largely due to the high cost of traditional insurance-based coverage, this is an innovative and fastest-growing solution for individuals seeking a more cost-effective alternative.
There are no network restrictions and care can be obtained worldwide.
Medical cost sharing organizations, also known as HealthShares, began in the 1980s when a beloved pastor was involved in a terrible automobile accident. His congregation came together to pay his medical bills-in full, in just forty-five days. This same community decided to continue following the biblical mandate to "bear one another's burdens" by sharing healthcare costs in a simple yet practical way.
Members of HealthShares across the country share one another's medical expenses in a similar fashion. This system has proven to be an effective alternative to traditional health insurance. Members enjoy the freedom, stability, and flexibility of medical cost sharing while keeping more money in their own pockets.
Membership is based on "Principles of Membership" where the HealthShare community members are expected to act with honor and integrity. Members should not falsify a sharing request, medical records, or use other deceptive practices. If a member abuses the trust of our community, their membership may be revoked or withdrawn.
Membership requires monthly member contributions, which are significantly less than traditional insurance premiums.
Members must reside in the United States or Puerto Rico.
With WABS HealthShare, your medical expenses are shared with the HealthShare community when you need medical treatment. HealthShare is a nonprofit medical cost-sharing program that provides an organized structure for members to contribute toward each other's medical cost expenses.
HealthShare membership offers financial protection when you are with a serious medical condition.
| NO NETWORK RESTRICTIONS | Keep your doctor! We don't limit our members to provider networks. |
|---|---|
| AFFORDABLE CONTRIBUTIONS | WABS HealthShare saves members 40%-60% on annual healthcare costs. |
| MEDICAL ADVOCACY | We're here to help you find the highest-quality providers and facilities. |
| UNLIMITED SHARING | We have no annual or lifetime caps on sharing. |
| WORLDWIDE SHARING | Get care anywhere in the world. No travel insurance is required. |
| HEALTHY LIVING | We encourage a healthy lifestyle and provide support resources. |
| EFFICIENT NEED PROCESSING | Medical need requests are processed within 7-14 business days. |
| HOW DOES MY IUA WORK? | Every member has an initial unshareable amount, or IUA, that they choose when they enroll. You may choose from an IUA of $1,000, $2,500, or $5,000. This amount is how much you, as a member, are responsible for paying when you incur medical expenses. |
Example of a broken ankle with a HealthShare membership versus a health insurance policy.
Note: Optional IUA cost mitigation policy is available through an affiliated WABS vendor.
Medical Expenses Ineligible for Sharing
The HealthCare Share medical cost sharing community chooses not to share in some medical expenses. Decisions for sharing eligibility are made to benefit all members by keeping monthly contributions low and sharing in medical expenses based on our Principles of Membership.
The following expenses are excluded from sharing with the HealthCare Share community.
Abortion
Expenses for the abortion of a living, unborn baby are not shareable.
ADHD, ADHS, & SPD Treatment
Expenses for evaluations, treatments, and prescriptions related to ADHD and SPD are not shareable. Members can use Zion HealthShare's discount prescription program, Zion RxShare, for any prescribed medications that are available at a pharmacy.
Allergy Treatments
Allergy testing and medication is excluded from sharing. Members can take advantage of Zion RxShare to receive prescription discounts. Sharing requests related to non-seasonal allergies, such as an emergency room visit for an allergic reaction, may be considered for sharing.
Conflict of Interest
In keeping with the Principles of Membership, and in the interest of protecting the WABS HealthCare Share community, medical expenses incurred by a member that obtains medical treatment from a provider with which the member has an affiliation, partnership, personal or business relationship, or the like, and receives financial gain, is not considered shareable.
Dental
Dental services, such as caps, crowns, root canals, fillings, wisdom tooth extraction, anesthesia, sedation, and cleanings are not shareable. Tooth damage caused by an accident or injury (e.g., car accident) may be considered for sharing.
Diabetic Medication & Supplies
Any medical expenses related to supplies, testing, medication, or other implements used to treat diabetes are not shareable.
Fees & Interest
Any late payment fees or interest charges that may accrue to medical bills before a member meets their IUA are the member's responsibility-they are not shareable, and do not count toward the IUA. Additionally, any late payment fees or interest charges caused by a member's delay in providing necessary documentation to WABS HealthCare Share are not shareable.
Credit card transaction fees associated with a payment by the member are ineligible for sharing.
Fertility
Expenses related to fertility evaluations and treatments are ineligible for sharing.
Genetic Screening
Genetic screenings and/or genetic counseling are ineligible for sharing.
Hearing Aids
Expenses related to hearing aids are ineligible for sharing.
Injuries Obtained from Certain Acts
Injuries or illnesses resulting from a criminal act, euthanasia, assisted suicide, participation in a riot, or other such acts that would violate the Principles of Membership are not shareable.
Injuries or illnesses resulting from being under the influence of alcohol or drugs while committing a criminal act, such as operating a motor vehicle while impaired, are not shareable.
Medical Noncompliance
Failure or refusal to comply with a physician treatment plan or leaving a facility against medical advice (AMA) may result in ineligibility of the sharing request and any complications that arise.
Medically Stable Conditions
A shareable medical need may be considered medically stable when the condition is chronic and further treatment will not likely result in improvement. At this point, the sharing request is subject to review and may result in determination of ineligibility for future sharing.
Mental Health
Expenses related to medications or other treatment for any mental health illness or condition are not shareable. Mental health conditions may include anxiety, depression, mental illnesses, and other psychological conditions. Through LifeWorks, WABS HealthCare Share members may have access to regular, preventive mental health consultations. LifeWorks is available as an additional service to any membership. Members can use WABS HealthCare Share's discount prescription program, RxShare, for any prescribed medications that are available at a pharmacy.
Sleep Apnea
Sleep apnea equipment and testing are not shareable.
Sterilization
Elective sterilization, such as tubal ligation and vasectomy, is not shareable.
Surrogacy
Expenses related to a surrogate pregnancy, whether or not the surrogate is a member, are not shareable.
Vision
Vision expenses related to hardware, such as glasses and contacts, are ineligible for sharing. Expenses to correct refraction, including but not limited to Lasik, PRK, lens implants, and/or other surgical or non-surgical visual acuity procedures and treatments not related to cataract surgery, are also ineligible for sharing.
Vitamins & Supplements
The cost of vitamins and supplements is not shareable.
Maternity Sharing Requests
What is Unshareable
- Prenatal
- 3D and 4D ultrasounds
- Most immunizations (such as flu shots)
- Non-prescription supplements
- Genetic testing/counseling, including but not limited to:
- Amniocentesis
- Inhibin A
- Alpha-Fetoprotein Serum (AFP)
- Any type of Nuchal Translucency (NT) ultrasound
- NIPT testing
- Services by companies providing genetic testing
- Chiropractic services for babies in breech positions
- Delivery
- Doula services
- Birthing tubs (or other items related to midwife delivery)
- Placenta encapsulations
- Circumcision
- Diagnostic hearing screening (including evoked auditory tests, BAEP, ABR, or BAER)
- Postnatal
- Breast pumps
- Lactation consultant
- Mother's immunizations
- Postpartum counseling
- Additional postpartum services
Other services may be ineligible or eligible as determined by WABS HealthCare Share. If you have questions about a specific service, please contact WABS HealthCare Share prior to receiving care. All genetic testing will be the responsibility of the member.
Contact Us
Phone
1-833-670-0471Business Hours
Mon - Fri 8:00 am - 5:00 pm
Locate Us
Weston Alternative Benefits Solutions, LLC
1310 Noble Heron Way
Naples, FL 34105