WeShare Health offers more than one way to join the community, and the right fit depends on your budget and how much day-to-day cost predictability your household wants. Essential, Enhanced, and Premier are a suite of Sharing Program options that each work with the same network, telehealth, and wellness perks, but a different balance between monthly cost, out-of-pocket exposure, and care opportunities. Here's how the three compare.
WeShare Premier: Built for the Highest Level of Support
For those seeking the highest level of flexibility and support, WeShare Premier offers expanded sharing for medically necessary care, enhanced mental and behavioral health services, and no waiting periods for pre-existing conditions related to general medical or pharmacy sharing. With lower Annual Member Care Share options---including a $0 option---Members face less financial exposure when accessing care for eligible expenses.
Premier Members access care through the PHCS PPO Network (the largest provider network available to any healthcare sharing ministry!) along with Amwell telehealth and WeShare's trusted wellness partnerships. Unique to Premier, the program also includes sharing for income loss related to critical illness and assistance with funeral or memorial expenses, offering added protection for both Members and their families. This program gives Members the confidence of knowing they're supported by an expansive Sharing Program that's still affordable and convenient.
Unique to Premier, the program also includes sharing for income loss related to critical illness and assistance with funeral or memorial expenses, offering added support for both Members and their families. This program gives Members confidence in knowing they are supported by a well-rounded Sharing Program designed to remain affordable and convenient.
WeShare Enhanced: Best for Everyday Use
WeShare Enhanced maintains an affordable monthly contribution while sharing in many of the same core healthcare sharing benefits as WeShare Premier (like support for doctor visits, specialists, hospital care, and telehealth). Compared to Premier, Enhanced has different AMCS options, applies pre-existing condition maximums in the first three years, requires waiting periods for certain services, and does not include income loss support or memorial expense reimbursement.
For Members who want expanded healthcare sharing without the higher cost of Premier's added sharing benefits, Enhanced provides a practical middle ground. It's a strong option for individuals and families who want broad access to care, dependable sharing for medical needs, and a program that keeps healthcare costs manageable.
WeShare Essential: Virtual-First Healthcare Sharing
WeShare Essential is a virtual-based health sharing program that helps Members maintain a healthy lifestyle. By partnering with Amwell Telemedicine, WeShare Essential provides Primary Care, Urgent Care, Dermatology, Lactation, Nutrition, and Behavioral Health support with the convenience of on-the-go care. Members also receive in-person care for eligible services and prescription sharing benefits through CVS Caremark and MinuteClinic. It's a highly cost-effective program option for people who are looking for a healthcare sharing option for preventive care, unexpected injuries, and life-threatening illnesses.
This program tends to fit generally healthy individuals and families who want dependable protection for larger, unexpected medical needs without paying for a higher level of day-to-day cost support they may not use.
How to Choose
Start with your budget for a Monthly Contribution, then think about how often your household typically needs care. Members who rarely see a doctor beyond an annual physical often do well with Essential. Households managing more frequent visits or an ongoing condition may prefer the lower out-of-pocket exposure of Enhanced or Premier. Essential, Enhanced, and Premier are all comprehensive programs built to stand on their own. WeShare Senior works differently --- it's a supplemental program designed to work alongside Original Medicare, not a fourth tier in this same lineup, so Medicare-eligible readers should think of it as a separate conversation rather than a comparison point here.
Still not sure which program fits your household? A WeShare Health advisor can walk through the numbers for your specific situation at 800-918-7630.
