What Is Netwell?

A Healthcare Sharing Ministry That Cares For Its Members As A Family

Monthly Contribution Request For netWell Elite+ Membership

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18-29 Years
Member
Couple | Member +1
Family | Member +6
Annual Member Commitment Portiont (per member) Merbership Size Base Monthly Contribution Total Monthly Contribution Maximum Annual Limmit (per member) Maximum Lifetime Limit (per member)
$2,500

Member

$ 316.92

$ 316.92

$1,000,000 $2,000,000
$5,000

Member

$ 305.54

$ 305.54

$1,000,000 $2,000,000
$10,000

Member

$ 279.95

$ 279.95

$1,000,000 $2,000,000

Note: $50 per member per month over 6. Consult us for free

30-39 Years
Member
Couple | Member +1
Family | Member +6
Annual Member Commitment Portiont (per member) Merbership Size Base Monthly Contribution Total Monthly Contribution Maximum Annual Limmit (per member) Maximum Lifetime Limit (per member)
$2,500

Member

$ 328.29

$ 328.29

$1,000,000 $2,000,000
$5,000

Member

$ 316.92

$ 316.92

$1,000,000 $2,000,000
$10,000

Member

$ 288.48

$ 288.48

$1,000,000 $2,000,000

Note: $50 per member per month over 6. Consult us for free

40-49 Years
Member
Couple | Member +1
Family | Member +6
Annual Member Commitment Portiont (per member) Merbership Size Base Monthly Contribution Total Monthly Contribution Maximum Annual Limmit (per member) Maximum Lifetime Limit (per member)
$2,500

Member

$ 387.94

$ 387.94

$1,000,000 $2,000,000
$5,000

Member

$ 370.62

$ 370.62

$1,000,000 $2,000,000
$10,000

Member

$ 330.23

$ 330.23

$1,000,000 $2,000,000

Note: $50 per member per month over 6. Consult us for free

50-59 Years
Member
Couple | Member +1
Family | Member +6
Annual Member Commitment Portiont (per member) Merbership Size Base Monthly Contribution Total Monthly Contribution Maximum Annual Limmit (per member) Maximum Lifetime Limit (per member)
$2,500

Member

$ 482.92

$ 482.92

$1,000,000 $2,000,000
$5,000

Member

$ 459.14

$ 459.14

$1,000,000 $2,000,000
$10,000

Member

$ 399.69

$ 399.69

$1,000,000 $2,000,000

Note: $50 per member per month over 6. Consult us for free

60-64 Years
Member
Couple | Member +1
Family | Member +6
Annual Member Commitment Portiont (per member) Merbership Size Base Monthly Contribution Total Monthly Contribution Maximum Annual Limmit (per member) Maximum Lifetime Limit (per member)
$2,500

Member

$ 571.85

$ 571.85

$1,000,000 $2,000,000
$5,000

Member

$ 538.64

$ 538.64

$1,000,000 $2,000,000
$10,000

Member

$ 463.18

$ 463.18

$1,000,000 $2,000,000

Note: $50 per member per month over 6. Consult us for free

netWell Most
Popular Membership

Elite+ Plan

All-Inclusive Option

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Monthly Commitment
Contribution Request For netwell
As Low As $279 / month
Network Nationwide PPO PHCS Network
Member Commitment Portion (MCP) $2,500 / $5,000 / $10,000
netWell Rx 600+ prescriptions at NO additional cost
Telemedicine1
TeleCounseling
Preventive / Routine Screening Shareable up to $1500 per member, per year, 90-day wait period
PCP / Specialist / Urgent Care / Wellness Visits 9 per member, per program year
$35 PCP / $55 Specialist or Urgent Care, shared up to $350 maximum per visit
Mammogram, Pap-smear, or Prostate exam will be applied to Office Visits. 90- day wait period unless accident, injury or acute illness
Chronic Maintenance Within the 9 PCP, Specialist or Urgent Care, Pre-Existing Limitations do not apply
Specialist 90-Day wait period
Imaging & Laboratory 90-Day wait period
Emergency Room**emergency, life-threatening, or life-altering medical issues only. Any non-emergency medical requests will be considered ineligible for sharing by the membership if the member’s treatment could have been handled by a primary care physician, specialist, urgent care, or wellness provider.
$500 Visit Fee, shared up to $10,000 maximum
Initial 90-day waiting period unless life-threatening or life-altering conditions
Hospitalization 100% after MCP has been met, shared up to maximum sharing limit
Initial 90-day waiting period unless life-threatening or life-altering conditions
In / Outpatient Surgery 100% after MCP has been met, shared up to maximum sharing limit
Initial 90-day waiting period unless life-threatening or life-altering conditions
Maternity Care
Maximum Sharing Limit Per Year $1,000,000
Lifetime Sharing Maximum $2,000,000
Mental Health 8 visit with your own counselor or therapist, shared up to $40/visit per family
eHome Mental Health 8 visit with eHome Health Counseling Services, shared up to $40/visit per family

netWellTM, a 501(c)(3), is not an insurance company but a religious health care sharing ministry.
¹ Telemedicine is not owned or operated by netWellTM.
Maternity includes services associated with natural childbirth, C-section and complications of delivery.

Things to Understand

It is important to be aware that a healthshare program is different from regular health insurance. While traditional health insurance policies are designed to pay for all healthcare needs, healthshare programs focus on the basics and catastrophic care for people who are overall fairly healthy. Some people may not qualify for health sharing due to a pre-existing health condition, so it is important to consult with our Arizona healthshare agents!

Cancer Sharing

Sharing Limits

Elite+ MEMBERSHIPS

90day waiting period for cancer treatment

Medical requests related to cancer treatment may be eligible for sharing if the cancer diagnosis was received after the initial 90-day waiting period

Max sharing amount
  • Previously diagnosed cancer will never be eligible for sharing
  • Year 1 – Cancer Medical Requests Will Be Shared Up To $250,000
  • Year 2 – Cancer Medical Requests Will Be Shared Up To $500,000
  • Year 3 And Beyond – Cancer Medical Requests Will Be Shared Up To The Yearly Maximum Sharing Limit

Recreational Vehicles

Sharing Limits

Year 1
Shared up to $10,000
Year 2 and Beyond
Shared up to $25,000

90 Day Waiting Period

Quad Bikes And Four Wheelers Recreational Vehicle Insurance In AZ
Snow Mobile And Snow Bikes Recreational Vehicle Insurance Plans In Arizona
Vehicle Insurance Plans For Electric Scooters Recreational In Arizona
Recreational Vehicle Insurance Plans For Jet Ski, Boats, And Watercrafts In AZ
Recreational Vehicle Insurance Plans For Yachts

Injury or illness as a result of using a recreational vehicle which is defined as licensed or unlicensed motorized vehicle operated on land or water (including ATVs, dirt bikes, motorcycles, motorized self-balancing vehicles, motorized scooters, snowmobiles, boats, and jet skis) Pre-authorization is required for any services outside of an Office Visit that relate to a Recreational Vehicle Injury.

Mental Health Therapy And Counseling Services With The Elite netWell Membership

Mental Health
INCLUDED IN OUR ELITE+ MEMBERSHIP

90 Day Waiting Period
Shareable with your own counselor

8 mental health visits are shareable with your own counselor or therapist per family

Shareable up to $40.00 per visit with no visit fee or MCP

Maternity sharing & Adoption

Maternity Sharing INCLUDED IN OUR ELITE+ MEMBERSHIP

  • arrowMust be on a combined membership for 6 months prior to conception for be elegible
  • arrowNo Membership Commitment Portion (MCP) will apply to Maternity Sharing
  • arrowMaximum sharing limit per maternity is up to $15,000, including multiple births; ex.: twins, triplets

ADOPTION SHARING INCLUDED IN OUR ELITE+ MEMBERSHIP

  • arrowA 24-month waiting period applies to adoptions.
  • arrowNo MCP Requirement.
  • arrownetWell will offer an additional $3,000 for the adoption assistance of a child with special needs for a maximum of $8,000 shared on member’s behalf.

netWell Member Limitations

netWell places certain limitations on illnesses or health conditions that may place too great a financial burden on the other members of the health sharing community. Some conditions are under a 2 year limitation from sharing bills related to treatment of a condition that existed before the individual became a member, while other conditions are under a 4 year limitation. There are even a few health conditions under a lifetime limitation.

  • Addison’s Disease
  • Angina Pectoris (stable or unstable)
  • Asthma
  • Benign Prostate
  • Hyperplasia
  • Bell’s Palsy
  • Calculus of Kidney (Kidney Stones)
  • Cardiac Dysrhythmias
  • Cushing’s Disease
  • Diverticulitis and Diverticulosis
  • Endometriosis
  • Epilepsy
  • Gallstones
  • GERD (Gastroesophageal Reflux Disease)
  • Grave’s Disease
  • Hashimoto’s Disease
  • Heart Murmur
  • Hyperglycemia
  • Hyperlipidemia
  • Hypertension
  • Hyperthyroidism
  • Hypothyroidism
  • Iodine Deficiency
  • Malaria
  • Migraines
  • MRSA/MRDO
  • Osteoarthritis
  • Osteoporosis
  • Ovarian Cysts
  • Pelvic Inflammatory
  • Disease
  • Pelvic Organ Prolapse
  • Polycyctic Ovary
  • Syndrome
  • Radiculopathy
  • Scoliosis
  • Shingles
  • Sleep Apnea
  • Spinal Stenosis
  • Spondylosis
  • Sugery
  • Tendinitis
  • Tuberculosis
  • Type II Diabetes
  • Uterine Fibroids
  • Vitiligo
  • Barrett’s Esophagus
  • Cancer
  • Cerebral Ataxia
  • Celiac Disease
  • Chronic Kidney Disease
  • Crohn’s Disease
  • Cirrhosis
  • Congestive Heart Failure (CHF)
  • Coronary Artery Disease
  • Deep Vein Thrombosis (DVT)
  • Degenerative Disc Disease
  • Dysphagia
  • Embolism
  • Fibromyalgia
  • Heart Valve Disease
  • IBS (Inflammatory Bowel Disease)
  • Macular Degeneration (wet or dry)
  • Marfan’s Syndrome
  • Meningitis
  • Mitral Valve Prolapse
  • Pancreatitis
  • Peripheral Vascular Disease (PVD)
  • Psoriasis
  • Pulmonary Hypertension
  • Rheumatoid Arthritis
  • Sjogren Syndrome
  • Ulcerative Colitis
  • ALS
  • Alzheimer’s Disease
  • Aneurysm
  • Autism Spectrum
  • Disorders
  • Cerebral Palsy
  • Cystic Fibrosis
  • Chronic Obstructive
  • Pulmonary Disease (COPD)
  • Dementia
  • Diabetes Type I
  • Down’s Syndrome
  • Ectasia
  • Emphysema
  • Fragile X Syndrome
  • Hepatitis (Chronic Viral B & C)
  • HIV/AIDS
  • Lupus
  • Lyme’s Disease
  • Morbid Obesity (pending weight loss)
  • Multiple Sclerosis
  • Muscular Dystrophy
  • Parkinson’s Disease
  • Sickle-Cell Disease
  • Spina Bifida

No Consult Fee for Telemedicine

WHAT CONDITIONS CAN BE TREATED BY TELEMEDICINE?

Many illnesses such as the common cold, a rash, or an ear infection can be treated via telemedicine through a quick, virtual visit with a doctor and subsequently prescribed medication.

Conditions Treated With Our Free Telemedicine Services
  • Allergies
  • Asthma
  • Bronchitis
  • Cold & flu
  • Joint aches & pains
  • Rashes
  • Fever
  • Sore throat
  • Sports injuries
  • Respiratory infections
  • Sinus infections
  • Skin inflammations
  • Digestive issues
  • Gout
  • Migraines
  • Insect bites
  • Pink eye
  • Ear infections
  • Urinary tract infections
  • Stomachache
  • Nausea
  • And more!

WHY SwiftMD AND NOT THE DOCTOR’S OFFICE?

SAVE MONEY!!! Cost savings to both the member and the membership
Avoid Long Waits In Crowded Waiting Rooms
Avoid Long Waits In Crowded Waiting Rooms
24/7/365 Access By Phone Or Video, Desktop And Mobile Devices
24/7/365 Access By Phone Or Video, Desktop And Mobile Devices
A Private, Secure Experience
A Private, Secure Experience
National Network Of U.S. Based, Licensed And Fully Credential Doctors
National Network Of U.S. Based, Licensed And Fully Credential Doctors
Time savings and less time away from work
Time savings and less time away from work

Discount Services

Dental Discounts

Sample Savings*

The discount features include a variety of options regarding dental care for both children and adults. Browse the chart below to find a plan that works best for you, and reach out with any questions!

Discount Programs For Dental Care With netWell

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Product/Services Avg. Price You Pay Savings % Saved
Dental Cleaning (Adult) $127.00 $68.00 $59.00 46%
Dental Cleaning (Child) $93.00 $51.00 $42.00 45%
Complete X-rays $168.00 $87.00 $81.00 48%
Root Canal (anterior) $880.00 $536.00 $344.00 39%
Complete Upper Denture $1,441.00 $1,003.00 $438.00 30%

*Actual costs and savings may vary by provider, service and geographic location. We use the average of negotiated fees from participating providers to determine the average costs, as shown on the chart. The select regional average cost represents the average fees for the procedures listed above in Los Angeles, Orlando, Chicago and New York City, as displayed in the cost of care tool as of June 2020.

Vision Discounts

Sample Savings*

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Product/Services Avg. Price You Pay Savings % Saved
Regular Eye
Exam – OD
$91.67 $79.25 $12.42 14%
Single Vision
Lenses
$95.67 $70.43 $25.24 26%
Progressive
Lenses
$259.33 $191.53 $67.80 26%
Designer
Frames
$194.33 $144.20 $50.13 26%

Members in need of regular eye exams, glasses, or contacts will benefit from netWell’s vision program. They can save financially and experience better quality care than through a conventional health insurance policy, while sharing their expenses with other members of the group. Browse through the chart and reach out to Phoenix Health & Life Insurance to learn more!

Young Woman Enjoying netWell Vision Program For Affordable Eye Doctor Visits

*These are examples only. Savings will vary by procedure, provider and geographical area.

Vitamins & Nutritional Supplements Discounts

Sample Savings*

While traditional health insurance focuses on reactive care for symptoms and illnesses, netWell believes that proactive, preventive care is the best medicine. That is why they offer savings on a variety of vitamins and supplements for their members.

Vitamins And Nutritional Supplements Program With netWell Healthcare Sharing Benefits

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Product/Services Avg. Price Your Price** Your Savings
Vitamin B12 $11.99 $5.19 57%
Vitamin D $7.49 $2.71 64%
Omega 3- fatty acidis $13.99 $5.43 61%
Tumeric $9.99 $3.99 60%
Calcium Cirtate $7.49 $2.95 61%

To Get 20% Savings on Swanson Brand Products Shop online at www.swansonvitamins.com for vitamins & supplements or call 1-800-824-4491 to place an order by phone.

Hearing Aid Discounts

TruHearing®

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Product/Services Avg. Price You Pay Savings
Hearing Aid Exam &
Selection
$175 $45 $130
Basic Digital Hearing Aid $1,400 $695 $705
Value Digital Hearing Aid $1,600 $999 $601
Mid Level Hearing Aid $2,250 $1,199 $1,051
Advanced Digital Hearing
Aid
$2,700 $1,599 $1,101
Premium Digital Hearing
Aid
$3,500 $1,999 $1,501
Elderly Man Enjoying The Benefits Of Hearing Aid Plans With Truehearing And netWell

Note: Cannot be used in conjunction with any other discount program or insurance.

Diabetic & Home Medical Supplies Discounts

If a member is diagnosed with diabetes after joining netWell they may be eligible for certain discounts on diabetic related supplies

Discount Programs For Diabetic Home Medical Supplies

This is a diabetic and home medical supplies discount program. This is not Insurance.

  • Diabetic Supplies (test strips, insulin pump supplies, lancets and more)
  • Home Medical Supplies (bath seats, walkers, and more)
  • Pet Health Supplies (pet diabetic supplies, pet care, and pet food
  • Health and Wellness Supplies (blood pressure monitors,

To Get Your Additional 10% Savings

  • Online: Visit https://www.adwdiabetes.com and enter promo code COV10 at checkout.
  • To order by phone: call 800-210-9222 (M-F 9am – 5pm EST) and mention the code COV10

netWell RX

A Membership Pharmacy Program Designed To Make The Most Used Medications Available For no additional cost

Acute Medications (Immediate Need)

Free, same-day pickup is available at pharmacies nationwide for acute care medications such as antibiotics or pain relievers.

Maintenance Medications (Chronic Need)

Members can receive 90% of their most prescribed, chronic medications with their Elite+ membership.

Over-The-Counter Medications
(Everyday Need)

netWell RX assists in providing the most used over the counter medications to members for no additional costs.

Diabetes Supplies& Medications
(Diabetes)

E-prescriptions make it simple to get necessary diabetes supplies same-day, at a local pharmacy or through home delivery!

Pharmacy Coaching
(Helpline)

The netWell helpline is available 24/7 to provide counseling and information about prescribed drug usage, dosage, and side effects.

What Differentiates netWell From Other Healthcare Share Ministries

No Height and Weight Rate Ups

netWell

Others

9 Visits Per Year Per Member

netWell

Others

Acceptance Of Green Cards

netWell

Others

Effective dates can be all month long without having to wait until the 1st of the month.

netWell

Others

Clients Can Use Office Visits With Pre-Existing Conditions

netWell

Others

True Pharmacy Plan Built-In With Over 600+ Common Medications at no additional cost

netWell

Others

No One Year Waiting Period For Cancer Treatment

netWell

Others

netWell Logo

Others

FAQ’s About netWell

A healthcare sharing ministry (HCSM) is different from traditional health insurance because members split medical bill expenses among members, all sharing a common set of religious or ethical beliefs. Members can find peace of mind and financial security through member-to-member sharing of eligible requests, and members have the opportunity to choose the sharing option that best suits their individual needs and financial standing. The monthly commitment contributions are used to help fund the eligible medical requests among the members of netWell.
There is no reason your healthcare provider should not accept HCSM coverage for your medical bills. netWell is designed to be used with any healthcare provider throughout the United States, without imposing restrictions on members regarding which medical care provider they can visit. They do not have to worry about traveling out of network while on vacation. netWell does negotiate preferred pricing with some select providers, allowing members to obtain a significant discount by using a netWell specific provider. Visit with our service team to learn more!

Healthcare sharing programs are exempt from ACA tax penalties. Many individuals seek an exemption because they cannot afford health insurance coverage. Individuals who are a member of a federally recognized tribe, incarcerated, or a participant in a recognized health care sharing ministry can claim an exemption when they complete their federal tax return, or apply for an exemption by completing the right form ahead of time. Consult with a licensed agent at Phoenix Health & Life Insurance to learn more about ACA requirements and exemption opportunities.

When you visit a healthcare provider, you will show your netWell membership card and present yourself as a self-paying patient. When you receive your medical bill for that care, you will submit the bill to the HCM where it is shared with other members and paid for by everyone’s monthly sharing amount. Some or all of the cost will be covered, depending on the terms of your sharing plan. The healthcare provider is then paid through a third party administrator. Because HCM members are considered cash-pay patients in the medical community, they typically receive lower costs than the original quoted price.

Depending on the type of program you choose, your monthly costs can range anywhere from $269/month to $400 or more. Ultimately, your monthly contribution will depend on factors such as your age, your current health condition, the number of people in your family who are also enrolled in the program, and the type of program you choose. It is important to work directly with a licensed healthsharing ministry agent in Arizona to learn about the options available to you and make the best choice for your needs.

Your netWell membership is not an insurance policy or a binding contract. netWell assumes zero legal risk, promise, or guarantee of sharing in eligible medical requests. Members are allowed to cancel the HCSM at any time, and are simply required to give 72 hrs notice prior to draft date.  Members who quit will not be charged a cancellation fee or required to be a member any longer than they choose to do so. If you have any questions about canceling your membership, don’t hesitate to reach out to netWell!

Contact Us & Get Enrolled Today

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    Phoenix Health And Life Insurance

    20823 N CAVE CREEK RD,
    BUILDING B SUITE 101
    PHOENIX, AZ 85024