1. Eligibility to Join:
   • You are welcome to join ShareWELL even if you have a pre-existing condition, and your monthly rate will not be affected by any pre-existing conditions.
     

1. Is ShareWELL a Good Fit for You?
   • The important thing to consider is whether your pre-existing condition will affect how well ShareWELL works for you. Here are some questions to help you evaluate:
     • Is your pre-existing condition likely to lead to significant medical expenses, especially in the first year where there is a waiting period, or can it be managed with preventive care and manageable costs?
     • Is the money you are saving compared to your other options more than what the expenses will cost you under that other option? Understanding how much your pre-existing condition could cost you in the worst-case scenario is essential.
     • Can care for your pre-existing condition, and wait until year two of your membership, at which point you will have $30,000 of sharing for that condition that is available.
2. Examples:
   • Asthma: If you have minor asthma and only need an inhaler occasionally, ShareWELL might be a good fit. The cost of the inhaler is low, and your doctor visits for asthma management would be part of your regular wellness check-ups. These costs would not exceed your Unshared Amount (UA) and would not impact your membership.
   • Major Surgery: If you have a condition requiring costly surgery within a year, such as a procedure costing $20,000, ShareWELL might not be the best fit. Potentially, the high cost of the surgery in the first year could exceed the savings you get from ShareWELL.
     
   • Back Pain: Are you planning on a procedure in the near future or will you be managing the backpain with therapeutics and minimal medications? If you may need a procedure ShareWELL may not be a good fit due to the potential high-cost of the procedure. For other ways of managing the pain generally deductibles and covered costs in a traditional plan will be minimal if any help. ShareWELL and the savings one may find on a monthly basis will still significantly reduce a persons healthcare spending.
     
3. Calculating Costs and Savings:
   • To decide if ShareWELL is right for you, it's important to do some calculations. Look at your monthly savings, compare out-of-pocket expenses with a lower UA versus a traditional insurance deductible, and consider any costs that won't be shared in the first year due to your pre-existing condition.
     

By understanding these points, you can better decide if ShareWELL meets your healthcare needs. If you have any questions, our team is here to help you understand your specific situation.The ShareWELL team can help you evaluate this for yourself to understand clearly how it may impact your savings.