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.
WellthCare Rx replaces traditional PBMs with transparent, aligned pricing.
Pharmacy Products, services, and prescription medications are fulfilled through our partnership with Vibrix Pharmacy.
● Lower drug costs (often 20–40% less) -- cutting out the middleman
● Home delivery utilizing UPS and USPS
● 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.
“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.