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Two employer realities.
One system that works for both.
Employers Without Major Medical
When traditional insurance isn’t affordable.
WellthCare™ delivers healthcare and retirement benefits your employees will actually use, without the cost structure of BUCA.
You can provide:
● $0 co-pay, $0 deductible urgent care, primary care, prescriptions, labs, and mental health support ● Automatic Pension contributions ● Free / reward money employees can spend in the Wellthcare Store™
Works with your current plan • No disruption
Zero out-of-pocket. Major hiring edge.
Employers With Major Medical
When premiums are rising.
Wellthcare™ works alongside your existing plan --with no disruption. Traditional healthcare is expensive, yet underused. High deductibles cause employees to delay care, then enter the system late, when treatment is most costly.
“80% of physicians report that patients delay or refuse care because of cost concerns—with deductibles cited as the key driver .”
- Physicians Advocacy Institute
Wellthcare changes that.
With $0 co-pay and $0 deductible care, employees use Wellthcare first — instead of avoiding care or triggering major medical claims. That leads to: Fewer claims, less waste, healthier employees, and better retention Over time, Wellthcare™ provides Readiness Index™ data that shows your savings— including when (and if) switching plans makes sense.
Better care. Lower costs. Higher retention.
Employee benefits they actually use — and feel good about.
Today, most employees avoid healthcare because they can’t afford deductibles and out-of-pocket costs.
Wellthcare™ removes those barriers.
Employees receive $0 copay, $0 deductible care (urgent, primary, Rx, labs, mental health). Personalized care plans supported by nurse practitioners. Hospital bills reduced on average by 70%. Automatic Pension contributions Free money to spend in the Wellthcare Store™. Instead of avoiding care, employees get healthier, happier, and wealthier.
Employees love it • HR gets time back
Care for yourself. Get rewarded. Save money.
Make HR easier—and something to be proud of.
HR teams want to help employees — but are often constrained by cost, complexity, and limited tools.
Wellthcare™ changes that.
HR teams love Wellthcare™ because:
● Employees finally use their healthcare
● Financial barriers disappear — no deductibles blocking care
● Preventive self-care is rewarded, not lectured
● Employees become healthier, happier, and wealthier
● There is zero disruption to existing healthcare or retirement plans
And HR gets time back; we handle all care and billing questions. Less admin. More impact.
“When employees, employers, and HR teams all win — the system finally works…”
Three broken systems...
One solution designed to make them work together.
1. A healthcare system that pays after people get sick.
Most care is paid for only after something goes wrong. High deductibles cause people to delay treatment — until problems become expensive.
Wellthcare flips the incentive.We reward verified preventive actions before claims ever happen — keeping people healthier and costs lower.
2. A waste-filled healthcare spending system.
Roughly 25% of healthcare dollars are lost to inefficiency, overbilling, and middlemen. PBMs and billing complexity profit from opacity.
Wellthcare removes waste upstream. $0-cost care, smart navigation, transparent pharmacy, and bill reduction keep money from leaking out — and reward employees for using them.
3. A retirement system people don’t trust.
For most workers, retirement feels distant and uncertain. Participation is low. Financial stress is high. Wellthcare makes it tangible.
Every preventive action builds visible Pension wealth —
turning health into long-term security.
When healthcare, prevention, and retirement finally work together, everyone wins.
How Wellthcare
Reconnected
What Was Broken
Healthcare, prevention, and retirement were never designed to work together — even though they affect the same people and the same dollars.
Wellthcare reconnects them through
a single Health-to-Wealth™ system.
Preventive actions reduce future claims.
Lower claims create real savings.
Tax-advantaged Pension and Store rewards convert those savings into employee wealth — without increasing employer costs.
That’s not a workaround.
That’s economic alignment.
Our Patent-Pending
Health-to-Wealth™ System
Wellthcare connects healthcare, prevention, and retirement into one fully automated engine.
Behind the scenes, the platform: Tracks 77+ verified preventive actions Maps them to validated CPT codes Maintains audit-ready compliance records Automatically funds and updates each employee’s: Pension Store balance $0-cost care eligibility Rewards, reporting, and regulatory tracking all happen automatically — in real time.
Employees never see the complexity. They simply use the app, take care of themselves, and watch their benefits grow.
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Built for scrutiny.
Designed for trust.
Created to work within existing healthcare & retirement systems.
ERISA-reviewed by counsel, no added burden on HR teams, works with existing plans, audit-ready reporting.
“Wellthcare™ is fully compliant and unique. It addresses medical care needs not covered under traditional coverage and it includes wealth accumulation features.”
— Darcy L. Hitesman, Founder, Hitesman Law, P.A.
Co-author, ERISA Compliance for Health & Welfare Plans.
Advisor to employers, TPAs, and benefit platforms nationwide.
Premiums went down for the first time ever.
Darron Hacker CEO
Exact Benefits Group
I’m exercising, because I love the instant prizes.
Angie Blattel COO
Appreciation Financial
This feels like a raise – not just a benefit.
Brock McKinley CEO
Compass Financial
The Wellthcare Ecosystem™
One platform. Multiple problems solved.
What Makes Up The Ecosystem
Wellthcare starts as a zero-risk benefit system employees love — and expands only when real data proves it should. Nothing is sold on promises. Everything is earned through proof.
Wellthcare Store™
Instant, real-dollar rewards for preventive actions.
Wellthcare Readiness Index™ (Patent-Pending)
The brain that converts behavior into smart decisions.
Wellthcare Medicare™
Offloads high-cost lives while keeping employees in-system.
Wellthcare Pharmacy™, fulfilled by Vibrix™
Transparent, pass-through pricing that replaces opaque PBMs and typically lowers drug costs by 20–40%.
Wellthcare Complete™
A self-funded alternative to your current plan —
powered by real utilization data, not projections.
Readiness Index™
Wellthcare doesn’t force change — it earns it.
After real employee usage, employers receive the Wellthcare Readiness Index™, a proprietary report showing: How ready the employer is to reduce costs Which employees should move to Wellthcare Medicare™ Whether and when the employer should move to: Wellthcare Pharmacy™ Wellthcare Complete™
No assumptions. No Pressure. Just clarity at renewal.
Wellthcare Complete™
When you’re ready to replace insurance — not just manage it.
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Wellthcare Complete™ is our fully integrated, self-funded offering —
Replacing BUCA and fragmented vendors with a single aligned Health-to-Wealth™ system.
What makes it different: ● Prevention drives utilization down ● Pharmacy economics are transparent (20–35% savings) ● Medicare removes high-cost lives ● Employees keep their Store rewards and Pension growth ● Employers save 30–45% vs BUCA ● Risk is reduced through better health — not tighter rules
“You’re already using Wellthcare. This just completes the system.”
Typically 25–40% lower total healthcare costs
Not ready to switch plans?
Start with Wellthcare™—no out-of-pocket cost, no plan
disruption. We’ll show you if and when switching makes sense.
Wellthcare Medicare™
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An integrated Medicare option for eligible Wellthcare™ employees.
It allows older or Medicare-eligible employees to: Keep their Wellthcare™ support Keep earning Store rewards Keep receiving Pension contributions Stay inside the same care and navigation system For employers, it removes high-cost, high-risk lives from the group plan — often producing immediate savings.
Reduce costs of your retirees
while improving their care
Wellthcare Pharmacy™,
fulfilled by Vibrix
Replaces traditional PBMs with transparent, aligned pricing.
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Fulfilled by our mail-order company Vibrix, which provides:
Lower drug costs (often 20–40% less) cutting out the middleman Home delivery No spread pricing Refill and adherence support This reduces waste, improves adherence, and lowers overall healthcare spend.
Typically 20–40% lower
than traditional PBM pricing
The United States spends over $4.5 trillion every year on healthcare, with more than half funded by tax dollars through federal and state programs. Shockingly, 90% of those costs go toward treating chronic conditions like cancer, diabetes, and heart disease. Early detection isn’t just good medicine — it’s smart economics. Investing in early screening and prevention saves lives and cuts healthcare costs.
- Wall Street Journal