netWell Healthshare

Read reviews, FAQs and get instant quotes on all netWell Healthshare plans!

By Leslie Jablonski – Updated September 18, 2024
Reviewed by Whitney Kline – Fact checked by Wiley Long

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All You Need To Know About netWell Healthshare

netWell Healthshare is consistently one of  our most popular, best-selling healthshare plans we offer.

NetWell stands out as our top choice for health sharing, offering affordable member contributions, 24/7 telemedicine access, and three membership tiers that deliver exceptional value. 

As a growing nonprofit with over 25,000 members, NetWell welcomes individuals regardless of their religious practices, making it an inclusive option.

Note that NetWell is a health sharing ministry, not an insurance company, facilitating voluntary sharing of medical expenses among its members.

Affordable Plans:

Options start at $195 per month, offering essential health coverage.

Pre-existing Condition Support:

Shares costs for pre-existing conditions after 24 months.

Comprehensive Coverage:

Elite+ plan includes preventive care, primary and specialist visits, maternity, and mental health services.

Generous Medical Cost Sharing:

Significant financial support for ambulance costs, surgeries, and cancer treatment.

Freedom of Choice:

Flexibility to see any doctor or hospital, with additional network discounts available.

netWell Plans

Advantage and Elite+

netWell Healthshare Advantage

netWell Healthshare Advantage:

Advantage is the most budget-friendly of the two plans, and is for the individual or family that wants to protect themselves from the major expenses, but are ok with paying for the more routine doctor visits out-of-pocket. Read more details in the netWell Advantage brochure.

netWell Healthshare Elite+

netWell Healthshare Elite+:

Elite+ is the most comprehensive and the most popular of the netWell membership options. It features full-spectrum cost-sharing from primary to catastrophic hospitalizations and surgeries. Read more details in the netWell Elite+ brochure

Get a Quote & Enroll in netWell Healthshare Today

Join the hundreds of thousands of netWell Healthshare plan members that have discovered netWell Healthshare works for their family’s healthcare needs.


  1. To get a quote, Select Your State and click the Instant Quote button.
  2. To apply online, after you get a quote, click on the Enroll Today button. 
  3. Enter Personal Information like your name, date of birth, and contact information.
  4. Add dependents and include names and dates of birth for any dependents you wish to cover.
  5. Select your plan and choose your desired membership level (e.g., Advantage or Elite+).
  6. Review statements and agree to the Statement of Faith and any other required declarations.
  7. Provide payment information, enter your payment details, either bank ACH draft or credit/debit card.
  8. Complete and submit your application.
  9. Check for any error messages and confirm your application was successfully submitted.

netWell Pros & Cons

netWell Pros

  • High $2 million lifetime cost sharing limit (in Elite + plan)
  • Innovative drug access program with hundreds of drugs available free
  • Excellent maternity benefits
  • Catastrophic “Advantage” membership tier dovetails well with direct primary care strategy
  • Great track record paying qualified sharing requests
  • Can be used at any provider you choose
  • Preventive Visit after 90 days, shareable up to $1500 yearly

netWell Cons

  • No HSA-qualifying High Deductible Health Plan available (for an HSA-qualifying plan that uses the cost-saving health sharing approach, consider the HSA Secure plan.) 
  • Two-year restrictions on sharing of bills arising from treatment of pre-existing conditions (netWell members can utilize their PCP or Specialist visits to maintain any pre-existing condition after the 90 wait period is satisfied.)
  • There may be a 2-year, 4-year or Lifetime pre-existing limitation for a surgery or hospitalization related to a pre-existing condition (depending on the condition). 

Boost Your netwell Benefits with HSA MEC

Optimize your netwell coverage by integrating the HSA MEC from HSA for America. 

Tailored to enhance netwell’s community sharing model, our HSA-qualified, preventive-only plan enriches your healthcare savings with impressive tax benefits.

Why Pair netWell with HSA MEC?

  • Tax Savings: Benefit from significant tax deductions and tax-free saving growth.
  • Investment Excellence: Experience the best in tax-favored investment options with HSAs.
  • Healthcare Freedom: Use your funds tax-free for any medical expense, worldwide.

Maximize your Medi-Share plan with the added advantages of HSA MEC.

 

HSA MEC with netWell
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netWell Frequently Asked Questions

netWell FAQ Icon

Q: How much does a NetWell membership cost?

A: Membership costs vary by plan. The Advantage Plan starts at $195 per month, while the Elite Plan starts at $269 per month. Costs depend on the chosen plan and other factors.

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Q: How does NetWell handle pre-existing conditions?

A: NetWell imposes a 24-month waiting period for sharing costs related to pre-existing conditions. Some conditions may have longer waiting periods or lifetime exclusions for certain treatments.

netWell FAQ Icon

Q: What mental health services are available through NetWell?

A: NetWell provides telecounseling services at no additional cost, available 24/7. It also covers other mental health services, although these are somewhat limited compared to traditional insurance.

netWell Healthshare

Q: Are there any states where NetWell is not available?

A: NetWell is not available in Massachusetts, Maryland, New Mexico, Pennsylvania, Vermont, and Washington.

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Q: What are the limitations of NetWell?

A: NetWell has limitations, such as waiting periods for pre-existing conditions, exclusions for certain treatments, and the need for both spouses to be members for maternity benefits. It also may not cover all medical expenses as comprehensively as traditional insurance.

netWell FAQ Icon

Q: Does NetWell cover maternity and childbirth expenses?

A: Yes, the Elite Plan covers maternity and childbirth expenses up to $15,000 for normal and C-section deliveries, with no member commitment portion required. However, both the husband and wife must be members, and there is a six-month waiting period before conception.

netWell FAQ Icon

Q: Can I use any healthcare provider with NetWell?

A: Yes, members can use any healthcare provider in the U.S. NetWell negotiates bill balances and offers access to the PHCS/Multiplan network for preferred pricing.

We’ve helped over 16 thousand people find health insurance or a health sharing plan.

Each customer gets the same amazing service.

Leslie (Personal benefits Manager) is always informed about the plans and helps me to make a wise decision on which one is best for me. Can’t ask for anything more.

Beth Patterson
IL

Mike (Personal benefits Manager) was great! He answered all our questions and was really helpful and patient with us while we were making our decisions.

Stacy Longoria
FL

HSA for America, and Lou Spatafore (Personal benefits Manager), provided a way to pay for healthcare costs, that is affordable and provides what is needed. I appreciated that Lou explained everything so that we understood how the health sharing works, and he was available whenever we had questions.

Scott Egbers
IA

Misty (Personal benefits Manager) was very helpful. We really appreciated her help getting us set up with our Marketplace plan.

Reverend Joan Kistler
TX

Whitney (Personal benefits Manager) was amazing and went far above my expectations in customer service. She answered every question and so far everything has been just like she said it would be!!! Thank you 

Wendy Skeesick, LA

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Read netWell Healthshare Reviews

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3.9
3.9 out of 5 stars (based on 20 reviews)
5 star35%
4 star40%
3 star10%
2 star5%
1 star10%

Very disappointed.

September 21, 2024

My son and I both had ER visits this year. Ended up being minor but we still got hit with thousands in costs. We are supposed to have 500$ deductibles for ER visits then NetWell pays the rest. It has been months and they still will not pay because they want the ER to send my entire health record to see if it could be tied to a pre existing condition which it is not. The ER of course doesn’t have my entire health record, my primary does. They’ve drug it out so long now they’re saying it’s no longer eligible for coverage. NetWell feels like a total scam at this point and we will go back to ACA coverage next year. We are better off canceling our coverage and using our premium money to start paying these bills down. They aren’t going to cover much anyway so what’s the difference. Stay away!!

David

Room for improvement

July 24, 2024

The plan has its merits, particularly in cost-effectiveness. However, the enrollment process was more complicated than I anticipated, and the information provided could have been more explicit. This led to some confusion during the initial stages, and there is room for improvement in simplifying the onboarding experience for new members.

Nicholas H, IN

I am thoroughly impressed.

May 2, 2024

I am delighted with Netwell and the health share plan we selected for our family. The affordability, coupled with the extensive coverage, has made a significant difference in managing our healthcare expenses. The commitment to transparency and communication from Netwell is commendable. The ease of accessing information and services online has simplified our healthcare experience. Overall, I am thoroughly impressed.

Patrick D, AZ

I like Netwell

April 12, 2024

I joined netwell because my doctor left my HMOs network so I started looking for options that would let me choose my own doctor. I’m glad I did! I’m saving almost $400 per month compared to my HMO. I can keep seeing my doctor – or any other doctor I choose. And they share my values.

Siobhan O

Avoid Netwell at ALL costs

March 24, 2024

I know, I know: It was a mistake to go the healthshare route over more traditional health insurance. Believe me, I know that now. I’m writing this in the hopes that, when someone Googles Netwell in the future, this post comes up. I wish it had for us.

Netwell has single-handedly ensured my wife and I’s first pregnancy has been as stressful as possible, and I beg anyone who is considering using Netwell to look into ANY other options. I’m writing this review as a last resort, after countless hours on the phone and months trying to get any meaningful information or update from Netwell that isn’t an empty “We’ll expedite this and call you back” promise.

My wife and I joined Netwell months before trying for a baby. We were accepted, but had no need to use them for anything at the time. When she got pregnant, we read all of Netwell’s documentation regarding pregnancy coverage. We first had to prove to Netwell she was actually pregnant (and didn’t get pregnant before we joined the program). No problem: We visited a doctor, who sent all the necessary paperwork to Netwell.

That sat with them for months “in review.” In the meantime, pregnancy bills began to stack up. But the Netwell documentation clearly states that you cannot submit pregnancy-related claims until you’ve been approved by Netwell, so we waited.

Eventually, we called. In what would become a theme, we were told it was still in review. So we waited some more, and had more expenses pile up. After many phone calls, we got someone to look at it and approve it. Great!

We submitted the outstanding claims to Netwell, but they were denied because too much time had passed between the charge and the submission. The only reason we waited was because we were specifically told that we could not submit until they verified the pregnancy, and they took months to do what was a 3-minute review of paperwork.

After much back and forth, we were told to go ahead and resubmit the claims. We did, and then we asked about the Maternity Specialist who would act as a go-between for Netwell and the various health providers (doctors, midwives, etc) that we work with. Netwell’s pregnancy documentation specifically mentions that members will be assigned one as soon as pregnancy is verified, and that everything must go through this person. The Netwell representative said she had no idea what we were talking about, so we pointed her to her documentation. This was news to her, and she said Netwell does not assign Maternity Specialists.

Okay, fine, we’ll do it on our own. No problem. We waited for our claims to be reviewed for weeks and weeks, and made many calls. Finally we got a letter in the mail stating that everything had been rejected with no further explanation. We called only to find out they didn’t have some of the information they wanted. Rather than let us know they needed more information, they simply rejected the claims outright.

They recommended we submit our claims via email because the submission form on their website isn’t comprehensive enough for the information they need. We did that. We attached every imaginable piece of paperwork and then some.

It’s been in review for months now. First, they tried to tell us it was because they were trying to contact our providers to get additional information. We reached out to our providers, who confirmed they’ve never received any communication from Netwell at all.

Now it’s just in perpetual review. It’s supposedly been escalated a half dozen times, but every time we call we get the same story: It’s in review. Everything we submitted is well beyond their 90-day policy now and, even though every single of our claim items clearly falls into things they cover, I’m becoming increasingly certain they’re going to use length of time as the excuse for the reason they reject it all.

We’ve tried time and time again to speak to a supervisor, but a supervisor is never available. We’ve been told a dozen times a supervisor will call us back, but over the many months we’ve been battling this, we’ve never spoken to a single supervisor.

My wife now desperately needs an iron infusion for the health of her and the baby. I called to see if they would be covered. They said it would, but we MUST submit something for them to review and approve before we get the infusion or they’ll reject it outright.

They haven’t reviewed our paperwork from 3+ months ago, and we’re told we have to submit something new for them to review before she gets an infusion she needs? That could take months. Obviously we’re not waiting, and are going to pay out of pocket and just hope for the best with Netwell.

But this whole thing has just been a nightmare. If anyone is considering Netwell, I beg of you: Look elsewhere. Look anywhere else. You’re better off paying out of pocket. It’s looking like that’s what we’re going to end up doing anyway.

Connor D

A reliable solution

March 21, 2024

Netwell’s Health Share Plan has been a reliable solution for my family’s healthcare needs. The ease of enrollment, clarity in cost-sharing, and responsiveness of their support team have all contributed to a positive experience. The only suggestion is to increase accessibility to a broader range of healthcare providers, it would undoubtedly enhance the overall value of their plan. Nonetheless, I’m grateful for the financial security and peace of mind Netwell has provided to my family.

Jared C, MI

Reliable and Responsive

February 27, 2024

Netwell’s health share plan has proven to be reliable in times of need. Claims processing is smooth, and the responsiveness of their team is impressive. A slight room for improvement in certain areas is needed though.

Trevor G, CO

It ranges from OK to good

December 16, 2023

As a middle-aged American with a family to care for, Netwell’s Health Share Plan has been a blessing. The peace of mind it provides, combined with the significant savings on healthcare costs, has made a substantial difference in our lives. Their commitment to transparency and ethical cost-sharing is commendable. I’;m leaning towards a 4-star rating, mainly because I see potential for even more streamlined processes and expanded coverage. Nevertheless, Netwell has earned my trust, and I’m grateful for the financial relief it has brought to my family’s healthcare journey.

Alex B TX

netWell has worked well for me so far

September 17, 2023

I was enrolled in the catastrophic plan, which was cheap. Never had to use it. Then i got diagnosed with type 2 diabetes. I switched to the Elite plan, which has a special diabetes supplies program Plus telemedicine, doctor visits, and labs (after 90 days). If you get your a1c checked every few months the lab costs add up!

Geoff C
Verified

Make sure to read all the details of the plan

July 6, 2023

Netwell did great for my wife, who had to have a gall bladder removed. We covered the first $5,000 according to the plan, and they picked up almost everything else!

I had to have a stent put in, but they called it a pre-existing condition because I had cholesterol problems before and was taking Atorvastatin and said the surgery didn’t qualify for healthsharing for at least two years. So I’d say it can work well if you have a clean bill of health. But be careful if you have health issues.

Enrique M
Verified

Mental health benefits are great!

April 12, 2023

We signed up with Netwell because it saved us almost half our monthly health insurance premium we were paying with United. We didn’t even look at the mental health benefits. Nobody does, right? You’re healthy now, and you think you won’t need it.

Well, I have a teenage daughter, and she wound up needing it. She had problems with depression and anxiety. One night was really bad. We looked at our Netwell documents and found out we had access to a mental health counselor via a phone hotline at no cost!

Our counselor managed to talk her through the immediate crisis and helped us formulate a plan to get her some more help going forward. Netwell helped us pay part of the cost. Not all of it, but it was a big financial help for us at the time.

We found out later that Netwell is one of the few healthsharing plans that provides real mental health benefits.

Lilith B
Verified

We love netWell!

January 27, 2023

My husband and I were planning to have a baby. Some places give you problems with maternity sharing. But with netWell they only had a six-month waiting period. Sooooo… we waited six months!

Nine months and five days after that, I had to have a C-section. We sent the bill to netWell, expecting we’d have to pay thousands of dollars. But netWell covered the whole thing! There’s no member contribution on natural childbirth or C-sections up to $15,000.

Sara N
Verified

netWell covered me for my cancer

November 3, 2022

I joined netWell and five months later found a lump in my breast. It turned out to be cancer, and I had to have radiation. I was afraid it was too soon to do healthsharing but when I called netWell they told me the cancer waiting period was only 90 days! I wound up having a mastectomy later which probably saved my life. I had to pay the first $5,000 but they picked up all the rest of the hospital and doctor bills above that. $95 thousand so far!

Plus, I could pick my own doctor. My old health insurance plan wouldn’t let me do that. I love netWell. They came through for me.

The disadvantage is you really have to have your paperwork organized when you send bills for sharing.

Moira N
Verified

I like the catastrophic plan!

September 1, 2022

netWell is one of the few options out there that offers a true catastrophic plan, which was what I want. I can handle $10,000 in medical bills. I can’t handle $100,000 in medical bills. Too many insurance companies lard up their policies with stuff I don’t need just so they can jack up their premiums. I just want catastrophic with a low monthly premium. Which is what I got. I combined it with a direct primary care plan, which takes care of the day-to-day primary care stuff. And I’m saving thousands of dollars every year. It only takes a couple of years before that adds up to my $10,000 risk, and I’ll have that sitting in the bank! I don’t know why everybody doesn’t do this!

Rick J
Verified

Here for the maternity care

May 26, 2022

Our advisor said that netWell would be a good fit because we were trying to start a family. The elite plan has all that included, plus primary care and preventive benefits stuff. It’s been more expensive that the sedera plan that we use to have, but we feel a lot more protected.

Mikhail A.
Verified

$35 doctor visits

May 12, 2022

My last healthshare plan didn’t cover doctor visits at all. They’re not unlimited with netWell, but you only have to pay $35. So far the Advantage level program is working really well for me and the fam.

Jeff N.
Verified

I’m switching back to Medishare

February 28, 2022

Doesn’t seem as good as my Medishare plan was. netWell is maybe 50 bucks cheaper per month but it just doesn’t feel the same after the last two years.

Richard W.
Verified

Easy to sign up … Don’t need to go to church every week

February 10, 2022

I used to be enrolled in a different Christian healthshare, but it was through our church and I felt bad because we weren’t going that much. netWell is based in the bible which is something I want for my family. But it’s more relaxed than other programs.

Johnathan V.
Verified

Great healthcare protection for only a few hundred

January 8, 2022

I’ve never heard of netWell before … seems like there are more healthshare companies out there than there used to be. Anyway, they’ve been on point so far. I had a quick trip to the E.R. two months ago and the cost-sharing came through without issue.

Daniel B
Verified

Good so far

November 22, 2021

My friends convinced me to switch to healthcare sharing and decided that netWell was as good as any. I’m definitely paying less than I used to per month, that’s for sure. I just haven’t had to use the sharing yet because I’ve been healthy. Will update in a few months!

Amar D.
Verified
 

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Disclaimer: All information on this website is relayed to the best of the Company's ability, but does not guarantee accuracy. Information may be out of date. The content provided on this site is intended for informational purposes only and does not guarantee price or coverage. This site is not intended as, and does not constitute, accounting, legal, tax, and/or other professional advice. Determination of actual price is subject to Carriers.