netWell Healthshare

I joined NetWell about a year ago, and the sign-up process was easy. The representatives were helpful and answered my questions, but I wish they had gone into more detail about the program’s limitations. While I understood that it wasn’t traditional insurance, I didn’t fully realize how many routine services wouldn’t be covered. The lack of upfront information about exclusions was a bit disappointing.

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!!

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.

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.

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.

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.

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.

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.

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.

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!

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.

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.

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.

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.

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!

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.

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.

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.

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.

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.

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!