Frequently Asked Questions
for Singles & Families

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 a healthcare plan you can’t afford to pay or even use.

There are less expensive options and methods you can use to manage and pay for your Healthcare Services.

See below for just some of the ways WHC can help you.

✓ When you don’t have insurance, most Medical Providers give you discounts ranging from about 5% to 50%. Hospital discounts could be as high as 90%.

✓ When you don’t have insurance, you can use any Medical Provider and any Medical Service, you choose, anywhere in the U.S. and World-Wide.

✓ Monthly Cost: WHC Cooperative Healthcare Plans are about 50% less than expensive than ACA and Group health insurance plans.

✓ 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. You must pay this cost before the insurance company pays all your medical bills.

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

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

✓ Discounts and Subsidies: WHC gives you 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 you Discounts or Subsidies.

✓ Cash Reimbursements: WHC gives you Cash Reimbursements, on average, about 50% of your medical costs.

✓ Hospitals cannot charge you more than you can afford: Hospitals must discount your medical costs and offer you a payment plan you 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 you can receive Discounts, Subsidies and Cash Reimbursements!

WHC is a Healthcare Cooperative providing a wide range of healthcare related services for you, and all people and companies in your community.

In addition to the Benefits shown in FAQ 10, WHC provides the following Healthcare Services for You.

✓ Healthcare Management Services: For this Service, WHC provides you with a “Medical Concierge Service”. Your Concierge helps you manage your entire Healthcare Program. Your WHC Concierge helps you locate cost-effective Medical Providers and answers your healthcare questions. Your Concierge is Your Healthcare Advocate!

Your WHC Concierge performs for you a”Medical Billing Audit“. The WHC Concierge reviews your medical bills for billing errors, duplicate charges, and available discounts. If necessary, will interact with medical providers to resolve issues and establish payment plans when needed. Your healthcare financial auditor!

Your Concierge is your “Healthcare Advocate”, who will represent you with any medical issue!

✓ Healthcare Financial Services: WHC Manages Your Healthcare Money to pay your medical costs. Your Member Contributions are deposited into a bank or credit union. This account is called your “Member Medical Account (MMA)“. Your MMA deposits are used to pay your future medical bills. This business method is called “Self-Funding“. We call it “Medical Self-Insuring“℠.

All WHC Member MMAs, collectively, help you and all other WHC Members pay their medical costs. This business method is called “Crowd-Funding“. We call it “Medical Crowd Funding“℠. Members helping each other afford their medical costs!

WHC is your “Financial Manager”, who manages your “Healthcare Money”!

Faith-Based healthcare plans are sold by organizations whose members share religious beliefs and values and use these as a basis for membership and paying medical expenses. In most cases, you are required to agree to their religious beliefs and values. WHC has no such requirements! WHC is similar, only to the fact that both WHC and Faith-based organizations do not sell insurance.

Members contribute a fixed dollar amount. When a member of the community is ill and needs help, the organization may send out a notice to other members. Other members are asked to send money to the member so the member can pay their medical bills. The organization usually has no or limited control over the money. WHC oversees and controls all Members’ money and payment of medical bills.

Many faith-based organization do not negotiate or review your medical bills. With WHC you have a Concierge Service who reviews your medical bills for billing errors, duplicate billing, discounts and appropriate pricing. Your WHC Concierge will represent you to resolve issues with any medical provider.

WHC adds two key business practices usually not found in faith-based organizations. First, WHC uses financial management tools and best-business practices to protect your money and receive affordable healthcare services. Second, religious beliefs are not part of WHC’s business practices and membership requirements.

There are many more differences that are explained in other FAQs.

Yes! – There are No “In-Network” Requirements. You can use any Medical Provider, any Medical Service, anywhere in the World!

We do suggest you follow these guidelines:

✓  Primary Care Physicians (PCP):  Use for annual wellness exams and general well-being Medical Services.

✓  Urgent Care Facilities:  Use for any Non-Routine Medical Service.

X  Free-Standing ER Facilities: Avoid a Free-Standing ER. Your cost can be 5 times greater than an Urgent Care. And you may be directed to a Hospital ER for treatment. In which case, you would likely incur two, expensive ER medical treatment costs.

X  Hospital ER Facilities:  Avoid an ER unless you have a major medical issue. Treatment costs at a Hospital ER are about 10 times more than an Urgent Care. Only receive Medical Services at a Hospital ER for a life-threatening Medical Event, or if directed by an Urgent Care Facility.

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

✓ No Co-Pays

✓ No Co-Insurance

✓ No Deductibles

✓ Purchase Anywhere You Get the Best Price!

Submit your bill to WHC. Receive your Reimbursement.

WHC Discounts & Financial Subsidies

✓ Healthy Discounts: If you are healthy, we lower your WHC Plan cost.

✓ Family Discounts: The larger your family the greater your Discount.

✓ Senior Discounts: For persons over 55.

✓ Income Subsidies: For Lower income WHC Members.

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

Subsidies From Other Sources

Anyone! There are no age or relationship limitations. If you want them on your plan, they can be included.

✓  No Age Restrictions: Include any dependant on your plan regardless of age.

✓  No Relationship Restrictions: Parents, Grandparents, Relatives, Friends, etc,

✓  Your Pets can also be included: They are family too!

You can add family members at anytime: You will receive an updated WHC Membership and Healthcare Plan Agreement.

You can delete members for specific reasons: Contact WHC when you want to delete a family member.

✓ You can use any Medical Provider, Any Medical Service, Anywhere in the World: No “In-Network” requirement. No limitations!

✓ Included Popular Coverages: Traditional Medical, Dental, Vision, Hearing. Plus Holistic, Acupuncture, Chiropractic, Labs, Tests & X-Rays, Vaccines, Medical Transportation and more.

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

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

✓ You Receive Plan Discounts From Medical Providers: For WHC Members and other people who pay on day of service. 5% to 50% from Primary Care and Urgent Care facilities. Specialists, more. To 90% for Hospitals.

✓ You Receive Plan Discounts from WHC: For Being Healthy, Having a Family, Being a Senior, Having a Low Income.

✓ You Receive Cash Reimbursements from WHC on Your Medical Costs: Approximately 50% of your medical cost.

✓ Financial Subsidies:

Loss of Income Subsidy – If and when you lose your income due to a medical event, CHC will pay your CHC Healthcare Plan’s monthly price.

ACA & Group Plan Financial Subsidy – WHC will pay your ACA or Group plan’s costs when you are diagnosed with a major medical illness and an ACA or Group plan is recommended.

✓ Receive Your Personal WHC Healthcare Concierge: Helps you manage your entire Healthcare Program. Reviews your bills for possible billing errors. Locates medical service discounts and cost-effective Medical Providers. Answers your healthcare questions.

✓ Get a Community Healthcare Savings Account (CHSA): Our CHSA is similar to a federal HSA with greater benefits. Here’s a key difference. WHC pays you 5% interest on your CHSA balances.

✓ Get Sponsorship Bonuses: You can receive $100 for each person or family you Sponsor who join and purchase a WHC Healthcare Plan.

✓ ✓ Plus More… How to receive a free WHC Healthcare Plan – Contact WHC!

To see typical WHC Healthcare Plan Prices, look at the following table.

To get your WHC Healthcare Plan Price, you have four options:

1) To get a Quick Quote NOW: Use the Quote Form to get your Special Member Price. Select the Menu option “Get Your Quote NOW”. Answer just a few questions and you’ll see your WHC Healthcare Plan price.

2) Request a “Meet or Beat”: On the Quote Form, tell us the price we need to “Meet or Beat”. Use your current Healthcare Cost, your monthly Budget or a Quote you received. We’ll do our best to “Meet or Beat” your request.

3) Make a “Bid Request”: On the Quote Form, enter the price you will pay for your Healthcare Plan. We’ll send your “Bid Request” World-Wide to get Quotes. Let’s see the best price we can get for you!

4) Request a Custom Quote: On the Quote Form, first, tell us in the “Special Needs or Request” field that you want a Custom Quote. Next, use the “Quote Form to enter the persons and pets you want included in your WHC Healthcare Plan. We’ll design a custom Healthcare Plan for you. We’ll be back to you very shortly.

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

Yes!  We will do what works for you. You set the day of the month and the number of payments in the month.

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

Deductibles: You must pay your Deductible before the insurance company pays any of your medical bills. The only exception is for your annual wellness doctor exam. Annual Deductibles usually range between $2,000 and about $9,000 per person. Double for a family. WHC has no Deductibles!

Co-Insurance: After you pay your Deductible, most insurance plans require you to pay Co-Insurance. Your Co-Insurance amount is calculated by subtracting your Deductible from your plan’s “Annual Out of Pocket Cost”. WHC has no Co-Insurance!

For example, If your plan’s Annual Out of Pocket Cost is $9,000 and your Deductible is $2,000, your Co-Insurance is $7,000. Co-Insurance is partially paid by you and the insurance company until you’ve paid $9,000.

You must pay $9,000 before the insurance company pays all your medical bills.

Most people don’t have $9,000 to pay their medical bills. Do you? That’s the question!

Co-Pay: Your Co-Pay is the amount you pay for a medical office visit. Co-Pays are usually around $25 to $100 up to maybe $250. Note, Co-Pays and Co-Insurance are not the same.

Annual Out-of-Pocket Cost: This is the total of the Deductible plus Co-Insurance. This is your annual maximum you must pay before the insurance company pays 100% of your medical Bills1

All-In Annual Out-of-Pocket Cost: This is the cost of your monthly insurance payments plus your Annual Out-of-Pocket cost. See the above example.

Example: If your monthly insurance cost is $600, your annual cost is $7,200. If you fully use and pay your plan’s Annual Out-of-Pocket cost of $8,000, your true Annual Out-of-Pocket cost is $$15,200, ($7,200 + $8,000). Also, if you have a family plan your Annual Out-of-Pocket cost may be $16,000 (2 times $8,000).

The All-In-Annual Cost is the real number you need to know and use to compare all insurance plans to a WHC Healthcare Plan.

You purchase any type of insurance to avoid a financial disaster: Consider car insurance. Your car is just fine until you have an accident or your engine fails. Then you are faced with bills you may not be able to pay.

Consider This: Do you play sports? Are you active? You are just one step away from an injury.

How about an illness? Are you around people? Think about COVID. 

In each of the above cases you may need to pay thousands of dollars. How are you going to pay the bills?

Choose Health Insurance: For only a few dollars a month you can be protected from a financial disaster, even a medical bankruptcy.

See your Healthcare Price: Go to FAQ 11. If you are 25 years old, you can be protected for only about $46 per week. About one night out at your favorite restaurant.

Be wise, not reckless. If you are young, think about your parents having to pay your medical costs and you creating a financial problem for them.

Be Smart. Sign-Up today!

Become a WHC Healthcare Advocate.

Better yet, start a new business career with us. Go to “Healthcare Plans” in the Menu. Select and read “For Independent Reps – Join Our Team“.

Then contact us for details.

To Learn More: To see other areas of the Website, Navigate using the “Header Selections”. Visit “Healthcare Plans” and other “FAQs” to get answers to more specific questions based on your area interest.

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 get your WHC Healthcare Plan Price, 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! The FAQs Follow.