Healthshares are memberships where individuals share the costs of healthcare. It’s not insurance, but a cost-sharing community.

ClearShare is a great fit for individuals and families who are looking to lower their monthly costs and out-of-pocket expenses as much as possible. Because ClearShare is not your traditional insurance plan, we are able to keep the costs low by creating a membership-based program where the plan expenses are shared by all members in the eligible community. 

Some administrative work will fall on members and some limitations apply, as outlined in the Member Guidelines. However, Clearwater provides Care Coordination to help you navigate the complicated healthcare system. Together these guidelines keep costs low for the whole community.

How it works

The healthcare solutions we offer combine the most valuable benefits and supplemental insurance with the largest network at an affordable price:

• Save on fixed medical expenses

• Improve your network and benefits

• Reduce financial risk around accidents or illnesses

• Find a plan that provides for your unique situation

High-quality major medical insurance plans to fit any budget. Clearwater’s Major Medical plans are best for those who expect to utilize healthcare services more frequently. Members enjoy copays for common services like doctor visits and prescriptions, plus a range of deductible options to control your out-of-pocket costs. If members use Clearwater’s Tier 1 Preferred Network, they can access $0 care for many services.These major medical plans also offer better benefits, such as:

• 24/7 telemedicine with a $0 copay

• Mental health coverage through Amaze, plus in-person care is also covered

• $0 generic prescriptions on most plans

• Patient prescription programs to help with speciality medications

• Preventive Care at 100% coverage

• Nationwide PPO Network

• Care Coordination: Members get a dedicated, white glove resource to help you find high-quality, fair priced providers for the imaging, surgery and major procedures you may need. Plus, when you use the providers we recommend, your out-of-pocket costs are waived, and you’ll get your care for free.

In addition to health plans, Clearwater offers add-on plans to help round out the care you need. This includes the following supplemental insurance plans to help you build the perfect plan for you and your family:

• Vision - Coverage for all of the vision essentials – annual exams, glasses, contacts, and more.

• Dental - Includes preventive, basic, major, and orthodontic coverage tiers, and features no waiting periods and flexibility.

• Critical Illness - In the event of an unexpected, sudden illness, you will receive a lump sum payment, allowing you to cover the costs associated with treatment.

• Accident - Accidents are unpredictable, but we’ve got you covered. Receive a lump sum to cover you in the case of any ER procedures. 

• Life - Enjoy the peace of mind that Voluntary Term Life provides, and your loved ones will value a benefit that can help guarantee a secure future if the unthinkable should happen.