Why a WHC Healthcare Plan is a “Must Have” for Singles & Families !

NO ! The WHC Healthcare Plan is not an expensive and unaffordable Individual or Group health insurance. WHC is a Healthcare Cooperative. Not an insurance company and WHC does not sell insurance.

The reason WHC does not sell insurance is that individual and group health insurance plans are too expensive that most people cannot afford to purchase. There are less expensive options.

We don’t want to sell you a healthcare plan you can’t afford to pay or even use.

Key Differences:

✓ 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 you choose.

✓ 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.

✓ 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.

✓ 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.

✓ 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.

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 Discounts & Financial Subsidies

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

✓ Family Discounts: You can receive a Family Discount. The larger your family, the greater your Discount.

✓ Senior Discounts: If you are over 55.

✓ Income Subsidies: If you have a low income.

✓ 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.

Subsidies From Other Sources

✓ Medical Providers: Most Medical Providers will give you a discount ranging from 5% to 50% or more.

Check out Medical Providers to see what they will give you. You should always tell your Medical Provider you want their “No Insurance – Pay on Day of Service Discount”!

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

✓ Trade Associations, Church and Fraternal Organizations: Let us know if have any affiliations or play Pickleball,  and we’ll check for subsidies and discounts.

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

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

✓ Any Doctor or Specialist

✓ Dental

✓ Vision

✓ Hearing

✓ Holistic

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.

✓  No Limitations:  If you want them on your plan, they are included!

✓  Family Members:  Parents, Grandparents, Relatives, Friends, even your Pets can all be included at an affordable price.

✓  No Age Restrictions:  No dependant age limitations

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!

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

Your Personal Healthcare Advocate

✓ Helps you manage your entire healthcare program: So You don’t have to!

✓ Reviews your medical bills for billing errors: Most medical bills have Billing errors that must be discovered and addressed.

✓ Reviews Billing Statements to see if you are getting medical discounts: Lowers your Medical Service costs.

✓ Negotiates payment terms with Medical Providers. Another method to lower medical service costs.

✓ Sends You Cash Reimbursements: To reimburse your Out-of-Pocket medical service costs.

✓ Helps you locate cost effective Medical Providers: We have suggestions on which Medical Providers will give you good discounts.

✓ Helps you with general healthcare questions: We are your Healthcare Advocate.

✓  WHC Healthcare Plans are More Affordable than ACA and Group Plans:  About 50% less expensive per month. Out-of-Pocket costs are about 80% or more less expensive.

✓  Each WHC Plan is Individually Designed by and for You:  Not by an insurance company or the government.

✓  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 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.

✓  Financial Subsidies:

Loss of Income Subsidy – If and when you lose your income due to a medical event, WHC will pay your WHC 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.

✓   Earn Extra Income – Start a New Business:  Become a WHC Advocate.  Join WHC!

✓ ✓  Plus More… Contact WHC!

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

Request a Quote for yourself or your family: 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

You can pay weekly, semi-monthly or monthly.

You can use any credit or debit card.

Anytime. There is no “Open-Enrollment” Requirement

Sponsor New WHC Members – Become a WHC Healthcare Advocate

✓  Receive “Sponsorship Cash” from WHC:  Receive $100 for each person and family you Sponsor.

✓  Sponsor New WHC Members:  Help your family, friends, neighbors, business associates get an affordable WHC Healthcare plan.

✓  No-Limit to the Sponsorship Cash you can receive:  Use your Sponsorship Cash to pay Co-Pays and other Medical Services.

✓  Start a New Career with WHC:  Receive more compensation and a FREE WHC Healthcare Plan. 

To Learn More, Go to “For Independent Reps“.  Contact WHC for details.

Navigate to other areas of the Website using the “Header – Menu Selections”.

Visit the “FAQs”: Get answers to many common questions.

Contact Us: Have questions or requests? Click “Contact World Healthcare”. Select the “Request Type”. Enter your “Requests / Questions”. Then “Submit”. We’ll be back to shortly.

Email: MemberServices@WHCHealthcare.com

Thanks for Your Continued Interest

To Learn More: Navigate to other areas using the “Header – Menu Selections”. Visit “FAQs” to get answers to many common questions.

You have Several Options:

✓ To Get a Healthcare “Quick-Quote” NOW: To do an On-Line Quote and see your “No-Hassle” Price.

✓ To have us do a “Bid Request”: We’ll send your “Bid” out to various healthcare plan providers. “When Companies Compete, You Win!”

✓ To have us do a “Full Custom Quote”: Customized to meet your needs and budget.

✓ To become a WHC Advocate or to purchase your “Business in a Box”: Click “Contact World Healthcare”.

✓ To Have Us Contact You: Have questions or requests? Click “Contact World Healthcare”. Select the “Request Type”. Enter your “Requests / Questions”. Then “Submit”. We’ll be back to shortly.

Email: MemberServices@WHCHealthcare.com

Thanks for Your Continued Interest