Frequently Asked Questions

WellthCare™ is the first, patent-pending Health-to-Wealth™ benefits system that gives employees $0 co-pay and $0 deductible care, while rewarding verified preventive actions with Pension contributions and Store rewards — all while helping employers lower healthcare costs over time. It aligns prevention, care, and financial security into one system — instead of three disconnected ones.

WellthCare™ is designed for two types of employers: ● Employers who can’t afford traditional major medical, especially those with frontline, hourly, or high-turnover workforces ● Employers who already offer major medical, but are struggling with rising premiums and underused preventive care WellthCare™ meets employers where they are — and works with or without existing coverage.

Not at first. WellthCare™ can: ● Stand alone for employers who don’t offer major medical ● Layer on top of BUCA or self-funded plans, where it is used first to reduce claims and waste Over time, WellthCare™ provides real data through the Readiness Index™, showing whether and when switching plans makes financial sense. For employers whose data shows they’re ready, WellthCare Complete™ becomes available — a fully integrated, self-funded alternative to BUCA, often reducing total healthcare costs by 25–40%.

WellthCare™ is not a single product — it’s a coordinated ecosystem designed to reduce risk and cost over time. It includes: ● WellthCare Store™ — real-dollar rewards for preventive actions ● WellthCare Readiness Index™ — converts employee behavior into financial clarity ● WellthCare Medicare™ — moves eligible employees into aligned Medicare coverage ● WellthCare Rx™ (fulfilled by Vibrix Pharmacy) — replaces PBMs with transparent, lower-cost drug pricing ● WellthCare Complete™ — a fully integrated, self-funded alternative to BUCA Each piece works on its own — but together, they compound savings.

The Readiness Index™ is a proprietary, patent-pending report generated after several months of real employee usage. It analyzes: ● Preventive care behavior ● Risk and utilization patterns ● Medication pricing through WellthCare Rx™ ● Medicare eligibility ● Benchmark and underwriting data It shows — with math, not guesses — whether it makes sense to move employees to WellthCare Medicare™, WellthCare Rx™, or WellthCare Complete™.

WellthCare Medicare™ is an integrated Medicare option for eligible 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. https://static.wixstatic.com/media/16edea_616d1d1f84214808aa6d08189b1e62a2~mv2.png

WellthCare Pharmacy™ replaces traditional PBMs with transparent, aligned pricing. It is 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.

Cost reduction happens through alignment, not restriction. Because employees have $0-cost care, they: ● Seek care earlier ● Use preventive services ● Avoid unnecessary major medical claims When claims do occur, employees are incentivized to reduce them using WellthCare™’s bill-reduction tools — averaging ~70% savings on hospital bills. Fewer claims. Lower severity. Less waste.

There is no out-of-pocket cost to the employer or the employee to launch WellthCare™. And it can be launched at any time (no need to wait for renewals). HR spends some time enrolling employees — but saves time long-term because WellthCare™ Support handles care navigation, billing questions, and employee issues.

Yes. WellthCare™ has been reviewed by one of the nation’s leading ERISA counsel and operates within existing healthcare and retirement frameworks, including SECURE Act-enabled incentives. The platform maintains compliance-grade records and reporting automatically. https://static.wixstatic.com/media/16edea_a285f6441d1f4b8a92a8545aa1c18ff4~mv2.png “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.

Minimal. ● Employees use the app ● HR gets dashboards and reports ● Compliance and documentation are automated No new workflows. No extra burden. Our Care Navigators save you time; fielding all bill-related questions.

All support flows through WellthCare™ Support: 📞 Dial 877-264-5727 💬 In-app & web chat We handle navigation, bills, and questions — so HR doesn’t have to.