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Clearwater members can enjoy monthly savings coupled with exceptional coverage options.
Low copays for doctor visits, prescriptions, and diagnostics, plus, two PPO networks with no visit limits or max payouts.
Low copays on doctor visits and prescriptions, plus no visit limits or maximum payouts.
Lower your monthly costs, but keep the coverage and protection from large medical expenses.
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Plan comparison
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Advanced + ClearShare
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Basic + ClearShare
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HSA + ClearShare
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ClearShare
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Plan type Our plans contain a healthshare and a MEC. A healthshare is a membership-based, non-insurance arrangement where members share healthcare expenses among themselves. MEC, or minimum essential coverage, is the minimum amount of coverage that is considered essential by the Affordable Care Act. |
Copay MEC + healthshare |
Copay MEC + healthshare |
HSA MEC + healthshare |
Healthshare |
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Network Our PPO network is designed to give you the widest number of options for medical providers. ClearShare, a membership-based healthshare, does not have restrictions on the providers you can access so members can receive care anywhere for their eligible major procedures, accidents, surgeries, and ER visits. |
PPO/Unrestricted |
PPO/Unrestricted |
PPO/Unrestricted |
Unrestricted |
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Preventive care visit A preventive care visit is a visit for routine health care, including screenings, check-ups, and patient counseling, to prevent or discover illness, disease, or other health problems. |
Free |
Free |
Free |
Not shareable |
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Primary doctor visit A primary care provider is a physician who provides the first point of contact for someone with an undiagnosed illness (i.e. referring them to a specialist), while also providing continuing care for a number of medical conditions. |
$20 copay |
$20 copay |
Full price |
Not shareable |
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Specialist doctor visit A specialist is a physician who specializes in a specific area of medicine or group of patients. Specialists are able to diagnose, manage, prevent, and treat the symptoms and conditions that fall under their area of expertise. |
$50 copay |
$50 copay |
Full price |
Not shareable |
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Bloodwork Bloodwork, or a blood test, is a laboratory analysis performed on a blood sample that is collected via hypodermic needle or finger prick. |
$10 copay |
Free after Annual Maximum payment is met |
Full price |
Free after Annual Maximum payment is met |
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X-Rays X-Rays are a 2D diagnostic test. |
$50 copay |
Free after Annual Maximum payment is met |
Free after Annual Maximum payment is met |
Free after Annual Maximum payment is met |
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Imaging Imaging typically refers to 3D imaging diagnostic tests, including CT/PET scans, ultrasounds, and MRIs. |
$200 copay |
Free after Annual Maximum payment is met |
Free after Annual Maximum payment is met |
Free after Annual Maximum payment is met |
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Frequency limits/max payouts The frequency limit is how many times a healthcare plan will pay for a certain treatment or procedure (e.g. 5 specialist visits a year). A max payout is the maximum amount that your healthcare plan will cover for a certain treatment or procedure (e.g. $1,000 for an MRI). |
None |
None |
None |
None |
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Telemedicine Virtual Care Get the care you need, even if you can’t get to a doctor in person. Our members enjoy $0 copays for general medicine through our telemedicine partner. |
$0 copay |
$0 copay |
$0 copay |
$0 copay |
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Mental health with Talkspace We partner with Talkspace, a virtual mental health services provider. Talkspace is included in all our plans, and members can access licensed therapists through a web browser or mobile app, available on iOS and Android. |
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Care Coordination service Our Care Coordination team is your white glove service to help you schedule major procedures, surgeries, labs, and imaging. Just give us a call to get connected to one of our experts, and you’re all set! |
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After you pick your plan type, the next step is to determine how much you are comfortable paying out of pocket for your major procedures: $1000, $2500, or $5000. For memberships that include multiple people, each individual is subject to their own Annual Max, but the entire household is subject to a Family Annual Maximum after multiple members have paid up to a certain amount:
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Family Annual Max
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Annual max tier: $1000
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Annual max tier: $2500
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Annual max tier: $5000
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Member Only Any one ClearShare member; the annual maximum is also known as your personal responsibility. It is the maximum amount a member of ClearShare will pay before eligible medical expenses are shared by the community. The lower your personal responsibility, the higher your monthly contribution will be. |
$1000 |
$2500 |
$5000 |
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Member + Children A ClearShare member and their dependent child or children; the annual maximum is also known as your personal responsibility. It is the maximum amount a member of ClearShare will pay before eligible medical expenses are shared by the community. The lower your personal responsibility, the higher your monthly contribution will be. |
$2000 |
$5000 |
$7500 |
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Member + Spouse A ClearShare member and their spouse; the annual maximum is also known as your personal responsibility. It is the maximum amount a member of ClearShare will pay before eligible medical expenses are shared by the community. The lower your personal responsibility, the higher your monthly contribution will be. |
$2000 |
$5000 |
$7500 |
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Member + Family A ClearShare member, spouse, and any dependent children; the annual maximum is also known as your personal responsibility. It is the maximum amount a member of ClearShare will pay before eligible medical expenses are shared by the community. The lower your personal responsibility, the higher your monthly contribution will be. |
$3000 |
$7500 |
$10000 |
Created for self-employed professionals, our proven solutions combine the most valuable benefits with the largest network – at the most affordable price:
Whether you’re looking to stay up to date with your annual appointments, like teeth cleanings and vision check-ups, or financial security in the wake of an unexpected health emergency, we’ve got you covered.
Clearwater offers supplemental insurance plans, including dental, vision, critical illness, and much more.
Clearwater Benefits has helped so many realize the potential for high-quality healthcare that fits their needs. Will you be next?
From our first contact with Clearwater to finalizing our plan for us, the service has been professional and all of our questions answered. We are confident we have made the right decision to have the best affordable healthcare options!
Realtor
Book a call with the Clearwater team to explore our plan options and how we can help you upgrade your healthcare – all while saving you money.
2022 Clearwater Benefits. All Rights Reserved.
For support email us at planhelp@clearwatersavings.com
2022 Clearwater Benefits. All Rights Reserved.