Our internal advocacy service supports members by helping them navigate their benefits, find the right healthcare services, and resolve billing issues. We're here to answer any questions, ensuring you get the care and clarity you need every step of the way.
These may be already included with your plan or added to your enrollment for an additional cost to enhance your enrollment. Click “enroll” it can add it to your plan if it is not already included.
Over 1,200 no-cost labs when performed at a Quest Diagnostic location. Please Click HERE for product information.
The Unshareable Amout (UA)
The Unshared Amount, or UA amount a member must contribute as their member responsibility before expenses related to a Sharing Request become eligible with the Health Share Community. ShareWELL offers BWA members a plan with $1,500 UA member responsibility. After the member pays the UA, additional eligible medical expenses are shared with the ShareWELL community. There is no annual or Lifetime limit on eligible expenses.
Pre-existing Medical Conditions Policy
ShareWELL members have a waiting period for medical conditions that existed before the membership start date. A pre-existing medical condition limitation is applied based on the first date of active membership. Any illness or injury for which a person has had any of the following occur, has been examined, taken medication, had symptoms, or received medical treatment within 24 months before the effective date of the membership is considered a pre-existing condition.
Pre-existing for Cancer
Any testing, preventive treatments, prophylactics, or medications that were taken by the member 36 months before the start date of a previously diagnosed cancer will result in a recurrence of that type of cancer being considered a pre-existing condition.
Exceptions that are not considered Pre-existing
High blood pressure, high cholesterol, hyperthyroidism, hypothyroidism, and type 2 diabetes will not be considered pre-existing conditions as long as the member has not been hospitalized for the condition in the 12 months before enrollment.
Specific Sharing Request Allowances
The following section describes Sharing Request allowances subject to the Unshareable Amount. Specific requests will have a maximum sharing allowance per sharing request or the lifetime of the membership. Included with an allowance are treatments for allergies, alternative testing to determine a diagnosis, home healthcare, hormone therapy, injections, medical supplies, orthotics,
Pre-existing Condition Phase in Period
The pre-existing condition waiting period has a phase-in period wherein sharing is limited. Members have a one-year waiting period from the initial enrollment date before pre-existing conditions are eligible. After the first year, pre-existing conditions are eligible. After the first year, pre-existing Sharing Requests qualify with a sharing limit that increases each membership year. Eligible amounts for pre-existing conditions after 4 years will cap for remaining years.
Sharable Amounts by Membership
Year One - $0 Waiting period
Year Two - Up to $30,000 maximum per need
Year Three - Up to $60,000 maximum per need
Year Four - Up to $150,000
Year Five - The sharing maximum is removed for pre-existing conditions.
Maternity
As with any other Sharing Request, expectant mothers pay a single Unshared Amount for all eligible expenses related to their Maternity Sharing Request. Eligible expenses may include miscarriage, hospital, homebirth, prenatal care, mother’s complications, postnatal care, and delivery.
Conception occurring within (30) days of the membership start date is ineligible for sharing. Pregnancy existing before membership is not eligible. Medical records will confirm the conception date. Members who purposely misrepresent their conception dates may be subject to membership revocation.
Reduction of UA Program for Maternity
For members with costs not exceeding $10,000 for delivery, postnatal, and prenatal expenses, ShareWELL will reduce the Unshared Amount responsibility by $1,000.
Smokers
ShareWELL households with one or more tobacco users must contribute a higher monthly contribution to maintain membership.
The monthly tobacco surcharge is $100 per household and must be added to the retail monthly rate.
Franklin, TN 37067
Inside Kumar Aesthetics
Do not conform to the pattern of this world, but be transformed by the renewing of your mind. Then you will be able to test and approve what God’s will is—his good, pleasing and perfect will.
Romans 12:2
