For Employers

Yes!  With WHC it does not matter the type of relationship you have with your workers. All can become WHC Members and get an affordable healthcare plan.

Employees and their family members and Pets, 1099s, part-timers, legal aliens, affiliates and volunteers.

Together we refer to all persons affiliated with your company as your “Staff” and individually “Staff Members”.

Yes!  In fact, they can even include their pets on their personal WHC Healthcare Plan!

With WHC, there are no age or relationship requirements. If they want any person to be on their WHC Healthcare Plan, they simply add that person. It’s that easy.

In addition, adding family members to a WHC Plan is far less expensive than adding family members to an ACA or Group plan.

Yes!  Give all your Staff another, more affordable healthcare plan option. Let them decide which healthcare plan they want.

In addition, your company’s Healthcare Plan becomes more valuable and you will have more Staff Opting-In to your company’s Healthcare Plan.

Yes.  Unlike an ACA or Group plan, which is “one-size-fits-all”, a WHC Plan is personalized by each Staff member. ACA and Group plans don’t allow for personalization.

✓ Choices:  A WHC Healthcare Plan lets each individual Staff member chose their Benefits and Coverages to meet their needs and budget.

✓  Meeting Needs:  An 18 year-old, single person, has far different healthcare requirements than a 50 year-old with a family of 4.

These differences should be recognized by every healthcare plan. ACA and Group plans don’t, WHC does!

Yes.  There are no “In-Network” or “Out of Network” limitations. Even “Holistic” and non-traditional Medical Providers can be used.

No Need!  A WHC Plan is about 50% less expensive than Group plans. This lower cost makes the WHC Healthcare Plan more affordable and reduces the need to pay a subsidy.

Yes & No:   The WHC Healthcare Plan is not a federal qualified plan that allows setting-up a traditional HSA with a bank.

However, we can do one better!

Each Staff Member gets a Community Health Savings Account (CHSA) with their WHC Healthcare Plan.

Our CHSA has fewer restrictions, no deposit cap or medical limitations as with a traditional, federal HSA.

Also, WHC Pays 5% interest on the Staff Member’s CHSA Account Balances.

Yes.  WHC can be used for doctor visits, dental and vision, and many other medical services not covered by your “Group” plan. The most important reason for adding WHC to a Group plan is to lower your Staff’s deductible and out-of-pocket costs.

Example:  If your ACA or Group plan has an $8,000 Max Out-of-Pocket cost, your Staff Member would want to purchase a WHC Healthcare Plan with a $8,000 Benefit and a $1,000 Co-Pay Max.

Here’s why:  When your Staff Member has a Medical Event, WHC would reimburse up to $8,000 to pay their ACA or Group plan’s Deductible and Co-Insurance Out-of-Pocket costs.

Your Staff Member would only pay $1,000. With an ACA or Group plan your Staff Member’s cost could be $8,000. With WHC their cost could be only $1,000.

Questions to Consider:  How many of your Staff can afford to pay $8,000? Likely, not many, if any.  Then, why are you offering a healthcare plan that the majority of your Staff can’t afford to use?

Please give these two questions careful consideration!

WHC could save each Staff member from having a major financial crisis!

No.  WHC is completely portable. There is also no need for COBRA and no lapse in coverage. Your Staff person would lose any subsidy you may provide, but not their WHC Healthcare Plan.

Two methods

✓ Preferred Method:  Have the WHC Healthcare Plan cost paid by your Staff member using a credit or debit card. Any subsidy could be added to the person’s paycheck.

✓ Company Paid:  The company pays WHC using a Group List-Bill and deducts the amount from the person’s payroll.

No!  Any Staff Member can “Opt-In” at any time.

Anywhere in the United States & World-Wide

✓ Any Staff Person can be on your WHC Healthcare Plan; No limitations, Full-Time, Part-Time, 1099s, Legal Aliens, Affiliates, Volunteers and their family members and pets

✓ WHC Healthcare Plans are about 50% less expensive per month

✓ Out-of-Pocket Costs are limited to only $1,000 per medical claim; Not the $9,000 cost of Group health insurance.

✓ No Deductibles or Co-Insurance; Only a single, affordable Co-Pay

✓ Prescription Medications are Reimbursed 100%; No Deductibles or Co-Pays

✓ All Medical Services are Included; Dental, Vision, Hearing, and Holistic Medical Services

✓ Your Staff Can Use Any Medical Provider, Any Medical Service, Anywhere in the World; No “In-Network” requirement. No limitations!

✓ You Staff Can Receive Discounts & Subsidies; For Being Healthy, Having a Family, Being a Senior, Having a Low Income

✓ Your Staff Can Receive Financial Subsidies:

Loss of Income Subsidy – If and when a Staff Person loses their income due to a medical event, WHC will pay your Staff Person’s WHC Healthcare Plan’s monthly Membership Contribution.

ACA & Group Plan Financial Subsidy – If a Staff Person is diagnosed with a major medical illness, and they have an ACA or Group plan, WHC will pay their insurance plan’s monthly premium cost.

✓ Each Staff Person Receives the WHC Concierge Service; Helps you manage your entire Healthcare Program. Including reviewing your medical bills for billing errors, duplicate charges, and available discounts. Your Concierge helps you locate cost-effective Medical Providers and answers your healthcare questions.

✓ Each Staff Person Receives a Community Healthcare Savings Account (CHSA); The WHC CHSA is similar to a federal HSA with greater benefits. WHC matches the Staff Person’s CHSA Contributions and pays 5% interest on their CHSA balances.

✓ You can receive a Staff Sponsorship Bonus; $100 for each Staff Person you Sponsor who purchases a WHC Healthcare Plan.

To see typical WHC Healthcare Plan Prices: Look at the following table. Note: Weekly Pricing is shown.

To have us develop a WHC Healthcare Plan for your company: Press the Button “Request a Healthcare Plan for Yourself and Your Staff “.

Staff Pricing
Age – Price
< 20: $31.20
20: $36.34
25: $37.61
30: $42.52
35: $45.78
40: $47.87
45: $54.09
50: $66.90
55: $83.54
60: $99.41
65: $109.88
For a Pet Dog or Cat: $21.81

Multiple Reasons

✓  Each Staff Member only pays for the coverages they want

✓  Staff Member’s receive Discounts and Financial Subsidies; For being Healthy, Having a Family, Being a Senior, Low Income

✓  WHC eliminates the insurance company from the payment path by connecting your Staff Member directly to each Medical Provider

✓  Medical Providers give WHC Members a “Self-Pay, No Insurance” discount that ranges from 5% to over 50%. We’ve seen discounts as high as 80%.

✓  WHC does not incur the costs or legal requirements insurance companies incur. Not to mention the staffing, expensive salaries and profits of insurance companies.

The World Healthcare Cooperative (“WHC”) is a community-focused, member-funded, Healthcare Cooperative. WHC offers affordable, Healthcare and Financial Services for individuals, families and employers.

WHC Is similar to an Agricultural Cooperative, which provides a “One-Stop” community service for farmers.

WHC is a “One-Stop” Healthcare Cooperative providing Healthcare Services for you and everyone in your community.

Our Mission: To make healthcare affordable, less financially risky and easier to manage.

Corporate Headquarters: The World Healthcare Cooperative is based in Delaware. WHC offers Memberships, with Healthcare Plans and Financial Services throughout the U.S. and World-Wide.

Local Healthcare Cooperatives: WHC offers its Healthcare Services via local Community Healthcare Cooperatives to give all community residents and companies access to affordable Healthcare. Contact Us for a directory and more information.

CommunityServices@WHCHealthcare.com

Members Self-Insuring Members

To Learn More: To see other areas of the Website, Navigate using the “Header Selections”. Visit “FAQs” to get answers to many common questions.

To Contact WHC: Have questions? Want to talk about WHC? Click the Action Button “Contact WHC Member Services”.

To Request a Healthcare Quote, Click the Acton Button “Request a Healthcare Plan for Yourself and Your Staff ”.

To Have Us Contact You: Click the Action Button “Contact WHC Member Services“. Use the “How We can Help” drop-down to Include any questions or requests. Then “Submit”. We’ll be back to shortly.

Thanks for Your Continued Interest