For Community Mayors & Town Managers

NO! WHC is not a health insurance company and does not sell health insurance.

The reason we don’t sell insurance is that individual and group health insurance plans are too expensive and not affordable for most people. We don’t want to sell you or your Staff a healthcare plan they can’t afford to pay or even use.

There are less expensive methods you can use to offer your Staff an Affordable Healthcare Program.

See below for just some of the ways WHC can deliver.

✓ Your Staff can receive Medical Provider Discounts: Most Medical Providers give discounts to people who don’t have insurance. Discounts range from about 5% to 50%. Hospital discounts could be as high as 90%.

✓ Your Staff can use any Medical Provider, any Medical Service, anywhere in the U.S. and World-Wide.

✓ Your Staff’s Monthly Cost: WHC Cooperative Healthcare Plans are about 50% less than expensive than ACA and Group health insurance plans. No need for you to subsidize your Staff’s cost.

✓ Your Staff’s Out-Of-Pocket Costs: ACA & Group Plans have Deductible and Co-Insurance costs, called the Annual Out-of-Pocket cost; averaging between $9,000 and $18,000 per year or more. Your Staff must pay this cost before their insurance company pays all their medical bills.

✓ WHC has No Deductibles or Co-Insurance costs: Only a simple and affordable Co-Pay for each medical service. Your Staff’s Co-Pay is limited to only $1,000 per medical claim. Not $9,000 of ACA & Group Plans.

✓ How Your Staff’s Medical Bills Are Paid: With ACA and Group plans your Staff must pay their plan’s Annual Out-of-Pocket cost before the insurance company pays their medical bills. With WHC, your Staff’s medical service costs are paid on Day-One and Reimbursed to your Staff Member, in cash, by WHC.

✓ Discounts and Subsidies: WHC gives your Staff Discounts and Subsidies for being healthy, having a family, being a senior and having a low income. ACA and Group Plans, and Medical Providers are prohibited from giving your Staff Discounts or Subsidies.

✓ Cash Reimbursements: WHC gives your Staff Cash Reimbursements, on average, about 50% of their medical costs. ACA and Group plans don’t pay reimbursements.

✓ Hospitals cannot charge your Staff Member more than they can afford to pay: Hospitals must discount their medical costs and offer them a payment plan they can afford. Contact us for details!

Summary: WHC Healthcare Plans are about 50% less expensive per month, have an 80% or more, lower Out-of-Pocket cost and your Staff can receive Discounts, Subsidies and Cash Reimbursements!

Yes ! Offer both and let each Staff Member decide which plan they want.

Comparing a WHC Healthcare Plan to an Employer Group Plan:

✓ Group Plan Price: One price regardless of age or health condition.

WHC Plan Price: Customized for each Staff Member, with Discounts and Subsidies.

✓ Group Benefits and Coverages: Limited.

WHC Group Benefits and Coverages: Your Staff can use any Medical Service, anywhere in the U.S. and World-Wide; Dental, Vision, Hearing, even Holistic.

✓ Group “Open-Enrollment”: Limited. Not available to all your Staff Members.

WHC Group Benefits and Coverages: Open to any and all Staff Members; Full-Time, Part-Time, Families, Legal Aliens, Affiliates, 1099s, Volunteers. If you want a person on your WHC Healthcare Plan, they can be included!

Summary: Group Plans are limited and expensive for you and your Staff Members. A WHC Healthcare Plan is open to all Staff Members with greater Benefits and a much Lower price. No need for employer to pay Subsidies.

Offer Both Healthcare Plans. Let Your Staff Choose!

Yes! With WHC it does not matter the type of relationship you have with your Staff. All can become WHC Members and get an affordable healthcare plan. If you want them on your WHC Healthcare Plan, they can be included!

✓ Employees and their family including pets

✓ Part-Timers

✓ 1099s

✓ Legal aliens

✓ Affiliates

✓ Volunteers

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

No! 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 for you to pay subsidies.

In fact, the WHC Healthcare Plan is less expensive than your Staff Member can find on their own.

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

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

✓ Your Staff Member Can Receive Financial Subsidies:

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

ACA & Group Plan Financial Subsidy – If a Staff Member 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 Member Receives the WHC Concierge Service; Helps your Staff manage their entire Healthcare Program. Including reviewing medical bills for billing errors, duplicate charges, and available discounts.

Your Concierge helps your Staff Member locate cost-effective Medical Providers and answers your Staff Member’s healthcare questions so you don’t need to.

✓ Each Staff Member Receives a Community Healthcare Savings Account (CHSA); The WHC CHSA is similar to a federal HSA with greater benefits. WHC pays 5% interest on their CHSA balances.

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

Yes! Our “Meds Plus” program Cash Reimburses your Staff Member up to $1,000 per year:

✓ No Co-Pays

✓ No Co-Insurance

✓ No Deductibles

✓ Purchase Anywhere You Get the Best Price!

They Submit their bill to WHC. We reimburse your Staff Member.

WHC Discounts & Financial Subsidies

✓ Healthy Discounts: If they are healthy, we lower their WHC Plan cost.

✓ Family Discounts: The larger your Staff Member’s family the greater their Discount.

✓ Senior Discounts: For Staff Members over 55.

✓ Income Subsidies: For Lower income Staff Members.

✓ Loss of Income Subsidy: If and when your Staff Member loses their income due to a medical event, we’ll pay their monthly WHC Membership Contributions.

✓ ACA & Group Plan Financial Subsidy: We’ll pay your Staff Members ACA or Group plan’s costs when they are diagnosed with a major medical illness and they need either an ACA or Group plan.

Subsidies From Other Sources

✓ Medical Providers: Most Medical Providers will give your Staff Member a discount ranging from 5% to 50% or more. Check out Medical Providers to see what they will give your Staff. Your Staff Member should always tell the Medical Provider they want their “No Insurance – Pay on Day of Service Discount”!

Also, Hospitals are required, by law, to only charge your Staff Member what they can afford to pay. Contact us for details on this Hidden Benefit.

✓ Trade Associations, Church and Fraternal Organizations: Have your Staff Member let us know their affiliation and we’ll check for subsidies and discounts.

✓ Federal and State Governments: Not directly available through WHC. However, WHC can check and make recommendations.

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

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

✓ Your Staff Member Can Receive Financial Subsidies:

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

ACA & Group Plan Financial Subsidy – If a Staff Member 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 Member Receives the WHC Concierge Service; Helps your Staff manage their entire Healthcare Program. Including reviewing medical bills for billing errors, duplicate charges, and available discounts.

Your Concierge helps your Staff Member locate cost-effective Medical Providers and answers your Staff Member’s healthcare questions so you don’t need to.

✓ Each Staff Member Receives a Community Healthcare Savings Account (CHSA); The WHC CHSA is similar to a federal HSA with greater benefits. WHC pays 5% interest on their CHSA balances.

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

To see typical WHC Healthcare Plan Prices: Look at the following table.

To get a Quote for your Company: Click the “Contact World Health” Button. Request a “Company Quote”. Compare to any Group insurance plan.

Request a Quote for yourself or a Staff Member: You have four Options. Use the Quote Form. Select the Menu option “Get Your Quote NOW“. Answer just a few questions and you’ll see your WHC Healthcare Plan price.

Typical Member Weekly Pricing:
Age – Price
< 20: $34.60
20: $44.18
25: $46.59
30: $52.12
35: $55.72
40: $59.09
45: $68.40
50: $84.79
55: $105.23
65: $125.33
For a Pet Dog or Cat: $31.21

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, Having a 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 90%.

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

First, WHC Healthcare Plans have no Deductible or Co-Insurance. WHC only has a simple and affordable Co-Pay.

WHC Co-Pay: 50% of the Medical Provider’s Billable Cost.

Billable Cost: Billable Cost is the Medical Provider’s Retail cost less the Medical Provider’s discount. Most Medical Providers will give any person a discount ranging from 5% to 50% or more when they have No Insurance and Pay on the Day of Service.

For example, if the Retail Price for an office visit is $200 and the Medical Provider gives a 15% discount, the Billable Cost is $170 ($200 less $30).

WHC Co-Pay Example: If the Billable Cost is the $170, the WHC Co-Pay is $85.

WHC Reimbursement: Your Staff Member would receive an $85, Medical Cost Reimbursement.

Other FAQs go into more detail on WHC Reimbursements.

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 $9,000 Max Out-of-Pocket cost, your Staff Member would want to purchase a WHC Healthcare Plan with a $9,000 Benefit and a $1,000 Co-Pay Max per medical claim.

Here’s why: When your Staff Member has a Medical Event, WHC would reimburse up to $9,000 to pay their ACA or Group plan’s Deductible and Co-Insurance Out-of-Pocket costs.

Your Staff Member would only pay a maximum of $1,000 per medical claim. With an ACA or Group plan your Staff Member’s cost could be $9,000 before the insurance company pays all your Staff Member’s medical bills.

Questions to Consider: How many of your Staff can afford to pay $9,000? Likely, not many, if any. The question is, “Why are you offering and subsidizing a healthcare plan 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!

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.

No. WHC is completely portable. There is also no need for COBRA and no lapse in coverage. Your Staff Member 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 Staff Member’s paycheck.

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

The Problem Needing to be Solved:  Reports show that fewer people have health insurance.  Many people avoid medical treatment because they can’t afford the cost of Traditional Health Insurance.

Yet, they still need basic wellness and non-routine medical services. For routine services they want to use their doctor.  Others, just put-off seeing a doctor or use a hospital ER.

This is a significant, community-wide issue that is not being solved.

In each case, your Residents and Employers are all looking for a solution to their Medical Cost Issue.  You can deliver the solution by teaming with WHC.

For several reasons:

Your residents don’t have access to affordable health insurance or an affordable healthcare plan.  For many, it has become too expensive to purchase health insurance.  When they have a medical issue, they go to their doctor or the hospital ER.  Payment to the Medical Provider is in doubt.

Doctors and other Medical Providers are leaving the community.  Many are moving away because of funding.  There is not enough money to provide the medical services.

Hospitals and clinics are closing due to less revenue, less state and federal aid and higher bad dept.  Hospitals are seeing more patients without health insurance with no way to get paid.  Hospital budgets are under pressure with no good solutions.

Employers are likely leaving the community and fewer are arriving because they can’t get affordable healthcare for their employees.

State and federal governments are not providing any meaningful assistance to communities. The future for Medicaid and other state and federal aid programs are in doubt. The problem is money. For many, it has become too expensive to purchase health insurance.

In each case the issue is money.  The answer is “Your Community must become financially Self-Reliant”.  The question is, “How”?

WHC can answer the “How”.  Contact WHC and ask for a Community Subsidy proposal and how we can subsidize your local Hospital.

No.  WHC will establish and fund your local Community Healthcare Cooperative (“CHC”).

WHC will do it for you! Here’s How.

✓  Lower the number of uninsured Residents:  We do this by making a Healthcare program more affordable.

✓  Increase the number of employers offering an affordable healthcare plan:  We do this by lowering the employee’s insurance cost and eliminating the need for employers to subsidize their healthcare plan.

✓  Change the Insurance Money Path:  With traditional insurance, money flows from the insured to the insurance company.  Then from the insurance company to medical providers.

Get the insurance company out of the Money Path.

✓  WHC Redirects the Money Path to a “Community Healthcare Pool”. Your Residents contribute to a “Healthcare Pool“.   The Pool makes monthly payments to your Community hospital to subsidize and support the hospital’s operating budget.

Members Self-Insuring Members

We’ll provide more details in your Community Subsidy Proposal.

Two ways:

✓  Community Hospital Support:  Help WHC convince the community hospital to adopt the WHC Hospital Subsidy Program.

✓  Community Support:  Get the message out via media and other community programs to all individuals, families and employers residing in your Community.

Yes!  You Subsidy Proposal has Two Options.

✓  Option 1 – Transactional Subsidy:  Simply introduce WHC to your Residents, Employers and Staff.  For those who have health insurance, ask them if they would like to have a “free”, no obligation review of their healthcare insurance plan.

For those who do not have insurance, ask them if they would be interested in having an affordable healthcare plan.

Collect some basic information and forward to WHC.  We will follow-up with each Resident with a no cost WHC Healthcare Affordability Review.

WHC will pay you a $100 Subsidy for each Resident you assist to purchase a WHC Healthcare Plan.

✓ Option 2 – Annuity Subsidy:  With this Option, your staff person counsels your Residents, does their Quote and takes their application to purchase their WHC Healthcare Plan.  If you prefer, a WHC Staff Person will be assigned to your Community Office to perform these functions.

WHC Annuity Subsidy Example:   Let’s take a typical 30 year old who has purchased a WHC Healthcare Plan. The monthly price is about $230. The monthly Annuity Subsidy would be $23.00, $276 per year.

For a family of four, your monthly Annuity Subsidy would be about $93.00 per month, $1,116 per year.

Next, by only adding 10 new WHC Members or Staff per month could produce a total, initial, Annual Annuity Subsidy of over $200,000. And this Annuity Subsidy could continue for many years.

Summary:  The Annuity Subsidy has the greatest cash amount and is the longest paying. The Annuity Subsidy is much better than the one-time, Transactional Subsidy.

With either Option it will be a great service offered by you to your Community and your staff.

Create a Healthcare Affordability Board:  WHC and your Community, establish a “Healthcare Affordability Board”.  The Board sets guidelines and policies.  WHC manages the day-to-day functions for the Community-wide Healthcare Program.

More details will be provided in your Community Subsidy Proposal.

Yes!  The Community Healthcare Cooperative, when affiliated with WHC,  gives your Staff, Community Residents and Employers another option. They can then choose which option is best for them.

Yes!  If they are a Resident or an Employer in your Community, they can join the Community Healthcare Cooperative and receive an affordable healthcare plan.

First, if you have not viewed the “Healthcare Plans” or “General FAQs“, we suggest you go there first. There’s a lot of information in these two areas.

Next, if you have questions, requests or want us to contact you, Click the “Contact World Healthcare” Button in the Menu and on all pages.

To Receive Your Hospital or Community Financial Subsidy Proposal. Click the “Contact World Healthcare” Button and request a Proposal.

To get a Quote for Yourself or a Staff Member, you have four options. Each are explained and are available on the Quote Form. Click the “Get Your Quote Now” in the Menu Or “Request a Quote” on all pages.

✓ To get a Quick Quote NOW: To get your Special Member Price On-line.

✓ Request a “Meet or Beat” We’ll check all available Discounts and Subsidies to get you the price you want !

✓ Make a “Bid Request”: When companies Compete, You Win !

✓ Request a “Custom Quote”: Totally personalized for you !

Thank You for your continued interest!