FAQs — Wellora Benefits

Question 1

What is a MightyWELL health plan?

Accepted Answer

MightyWELL health plans are structured benefit packages that combine a health sharing arrangement with supplemental benefits like telemedicine, prescription discounts, and accident/critical illness coverage. They are designed to provide meaningful, affordable healthcare access for individuals, families, and employer groups.

Question 2

Is this insurance?

Accepted Answer

No. MightyWELL plans are not insurance. They are a combination of health sharing memberships and supplemental benefit products. Wellora Benefits is an independent consulting firm — not an insurance carrier. These plans are not regulated by state insurance departments and do not meet the ACA minimum essential coverage requirements.

Question 3

What is the difference between the Copay, HSA, and Concierge bundles?

Accepted Answer

The Copay Bundle includes fixed doctor and urgent care copays, making costs predictable for frequent office visits. The HSA Bundle pairs a health sharing arrangement with an HSA-compatible structure — policyholders are eligible (but not required) to open and contribute to an HSA through a qualified financial institution of their choice. The Concierge Bundle is our most comprehensive option, featuring a higher Unshared Amount (UA) tier and enhanced coverage for those who want maximum protection.

Question 4

What is the PHCS network?

Accepted Answer

PHCS (Private Healthcare Systems) is one of the largest independent preferred provider networks in the country, giving members access to thousands of doctors, specialists, and facilities at negotiated rates. Members in California and Hawaii use the PRIME Health PPO network instead.

Question 5

Can I keep my current doctor?

Accepted Answer

In most cases, yes. The PHCS network includes a broad range of providers nationwide. We recommend verifying your specific doctor's participation at the time of enrollment. Members in CA and HI use the PRIME Health PPO network.

Question 6

Who is eligible to enroll?

Accepted Answer

MightyWELL plans are available to individuals aged 18-64, families, and employer groups across most U.S. states. Eligibility may vary by state and plan type. Contact Wellora Benefits to confirm availability in your area.

Question 7

Is there an open enrollment period?

Accepted Answer

No. Unlike ACA marketplace plans, MightyWELL plans do not have a restricted open enrollment window. You can enroll at any time throughout the year.

Question 8

Are pre-existing conditions covered?

Accepted Answer

Coverage for pre-existing conditions varies by plan and may be subject to waiting periods or exclusions. Please review the plan documents carefully or speak with a Wellora advisor for details specific to your situation.

Question 9

How do I enroll?

Accepted Answer

You can enroll directly through the plan pricing tool on our website by selecting your bundle and clicking 'Enroll Now.' You can also schedule a free consultation with a Wellora advisor who will walk you through your options and help you choose the right plan.

Question 10

What is the Unshared Amount (UA)?

Accepted Answer

The Unshared Amount (UA) works like a deductible. It is the amount the member must meet out of pocket on a catastrophic claim before the health sharing arrangement kicks in and pays the remaining eligible balance. Concierge Bundle members can choose between a $2,500 or $5,000 UA — a lower UA means the sharing kicks in sooner, while a higher UA typically results in a lower monthly cost.

Question 11

Does the plan include telemedicine?

Accepted Answer

Yes. All MightyWELL bundles include 24/7 Lyric telemedicine at no extra cost. You can see a licensed doctor from anywhere, any time, via phone or video.

Question 12

Are prescription drugs covered?

Accepted Answer

All plans include access to a prescription discount club, which provides savings on medications at thousands of pharmacies nationwide. This is a discount program, not insurance coverage.

Question 13

How many doctor visits are included on the Copay Bundle?

Accepted Answer

The Copay Bundle includes up to 7 doctor and urgent care visits per person annually at a fixed copay.

Question 14

Can I open an HSA with the HSA Bundle?

Accepted Answer

Policyholders on the HSA Bundle are eligible, but not required, to open and contribute to a Health Savings Account (HSA) through the qualified financial institution of their choice.

Question 15

How is my monthly cost determined?

Accepted Answer

Your monthly cost is based on your coverage tier (individual, couple, parent/child, or family) and your age band. Rates vary by bundle. Use the plan pricing tool on our website to see your exact monthly cost.

Question 16

Are there any enrollment fees?

Accepted Answer

There are not enrollment fees, and administrative fees are rolled into the premium.

Question 17

Can employers offer these plans to their employees?

Accepted Answer

Yes. Wellora Benefits works with employers to offer MightyWELL plans as a group benefit. This can be a cost-effective alternative to traditional group health insurance. Contact us to learn more about employer group options.

Question 18

Do I have to pay the bill and then wait for reimbursement from the share?

Accepted Answer

No. In the event of a major medical claim, you submit the claim and bills to MightyWELL. They will then collect your Unshared Amount (UA) directly from you and take over the exceeding expenses from there — you are not expected to front the full cost and wait to be paid back.

Question 19

Is there an approval process, and what is the timeframe?

Accepted Answer

There is no approval process. If the medical event exceeds your UA and does not fall under a disqualifying category, it is covered. There is no pre-authorization, no committee review, and no waiting on an approval decision.

Question 20

What is Wellora Benefits?

Accepted Answer

Wellora Benefits is an independent consulting firm that helps individuals, families, and employers navigate and enroll in MightyWELL health plans. We are not an insurance carrier or health sharing organization — we are advisors who help you find the right plan for your needs and budget.

Question 21

Is there a cost to work with a Wellora advisor?

Accepted Answer

No. Our advisory services are provided at no additional cost to you. We are compensated through the plan providers when you enroll. You're bonus? You get a dedicated Wellora agent to answer basic questions and guide you as you learn to utilize the full weight of your MightyWELL bundled benefits.

Question 22

How do I contact Wellora Benefits?

Accepted Answer

You can reach us by phone at 405-474-3890 or schedule a free consultation through our website. We're happy to answer any questions and help you find the right coverage.

Frequently Asked Questions

About MightyWELL Plans

Enrollment & Eligibility

Benefits & Coverage

Pricing & Payments

Working with Wellora Benefits

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