Frequently Asked Questions
for Non-Profit, Charity & Religious Organizations

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 workers. 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.

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

We do suggest your Staff 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 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! Any Staff Member can “Opt-In” at any time.

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 person’s payroll.

✓ To Increase Your Donations or Income”: Most Organizations have two forms of income. Annuity Income from Membership Fees. Transactional Income, a one-time payment, for donations or selling a product or service.

Annuity Income is much better than Transactional Income. That’s why we are proposing a new Annuity Donation, Income program for Your Organization!

✓ To Provide All Your Staff and Members with an Affordable Healthcare Plan: Organizations are usually created to source and provide to its Members various programs and services. To attract new and retain current Organization Members means your Organization needs to continue to provide programs and services that benefit your Members.

One of the most sought-after employee and member benefit is affordable healthcare.

That’s why we are proposing a new, affordable Healthcare Plan for Your Staff and Members!

The Need: All employers, staff members and members are facing the same problem. Group and individual Health Insurance is not affordable. Just look at the monthly premium cost. Even with an employer subsidy, the cost is too high. Employee take rates are less than 30% for many companies. And that’s not the biggest problem!

Look at the employee’s Out-of-Pocket costs. In 2026 the average Group plan’s annual Out-of-Pocket cost is $9,000 or more. Just ask yourself this question, “How many of your employees can afford to pay $9,000 when they need to receive medical services?”

The answer is usually “None”. There needs to be another answer. We have the answer.

The Solution: WHC Healthcare Plans start as low as $46 per week. Out-of-Pocket costs (no deductible or Co-insurance) can be as low as $1,000 per medical claim. To see more, look at FAQs about WHC Healthcare Plans.

Organization Donations and Income: Oh yes, there is income for your Association. WHC has a liberal, “annuity-style”, month after month, compensation plan.

To see how much your Organization can earn, contact us for a proposal.

Yes!  WHC has a liberal, “annuity-style” Donation program. Your Donation continues month after month as long as the WHC Healthcare Plan is offered and purchased by your Staff or Organization Members.

Think about your suppliers and all persons you come in contact with your business. All need an affordable healthcare plan. You can help them and WHC will compensate you.

Request a Proposal and we’ll describe your Donation program plus show your projected Donations.

Introduction:  First, we’re going to use some financial terms.  Then give you some examples and show you how it all relates to your Organization and to your WHC Donation Proposal.

Transactional Income is when a business receives payment when they sell a product or a service.  With Transactional Income the business gets paid once per transaction.  For example, a real estate broker’s commission is a form of Transactional Income.

Annuity Income is when a business receives on-going income from a sale, usually without doing any additional activities.  A monthly Membership Fee is a form of Annuity Income.

Organizations, such as yours, rarely have Annuity Income. Instead, you rely upon donations, a form of Transactional Income. For purposes of your Proposal, we’ll call this your “Transactional Donation”. We’ll also show you how you can receive “Annuity Donations”.

The Reasons for Your Donations:

Your donations are being paid to reimburse you for your efforts associated with offering WHC to the individuals and associations you Organization services (your “Associates”).

You receive a Donation for each Associate you sponsor and who joins WHC.  The amount of your Donation is based on the type of services you perform.

You Donation Plan has Two Options:

✓  Option 1–Transactional Donation:  Simply introduce WHC to your Associates 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 Associate with a no cost WHC Healthcare Affordability Review.

WHC will pay you a $100 Donation for each Member you assist to purchase a WHC Healthcare Plan.

✓  Option 2 – Annuity Donation:  With this Option, your staff person counsels your Associates, 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 Organization to perform these functions.

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

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

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

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

With either Donation Option it will be a Great Service offered by your Organization to all your Associates and your Staff.

To Anyone! Your employees, part-timers, 1099s, legal aliens, volunteers and other affiliates (your “Staff). There are no restrictions. If you want them on your WHC Healthcare plan, there on!

To other people and companies. Consider the persons and companies that regularly interact with you and your Organization. They all need an affordable healthcare plan.

Help them get an affordable healthcare plan and we’ll compensate you for your assistance.

Yes!  You can offer both WHC and a Group plan. Let your Staff decide which healthcare plan they want.

There are two options depending on your desired level of involvement and compensation.

✓ Option 1: Promote WHC along with any other healthcare plan you are now offering to your Staff and Members.
Offer to do a “Healthcare Affordability Review”. The Healthcare Affordability Review includes a quote and a comparison to their current health insurance plan. Help your Staff and Members complete and send the WHC Healthcare Affordability Review form to WHC. We’ll follow-up with your Members to discuss the results of the Review.

✓ Option 2: Have a staff person perform the Review and discuss the results with your Staff and Members. We’ll train your staff person to conduct the Review. The Review process only takes about 5 minutes. Finalize the sale and send the order to WHC.

By the way, this is how car dealerships work with their clients, when selling new car. They offer to do the client’s financing and insurance.

With either Option it will be another great service offered by your Association to your Staff and Members.

Contact us to discuss these options and compensation

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 Organization’s Financial Subsidy and Donation Proposal. Click the “Contact World Healthcare” Button and request a Proposal. Then compare to any Group insurance or other Healthcare Plan.

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!