Greater Long Term Savings
While ClearShare saves you on monthly costs in the short term, Clearwater's Major Medical plans provide predictability and protection when you use your plan.
You have contractual claims rights when your claim is medically necessary and in-network. *
Paying Claims shouldn't involve you.
Health share, in general, puts you closer to the negotiation risk with provider bills. *
If you're done with letters from Collections with limited recourse, it might be time to change.
A stronger PPO network *
Clearwater's 2026 Major Medical plans have switched to the Prime Health Services Network. Your ClearShare plan is on the PHCS VDHP network. This change increases the provider-count by over 200,000 across the country with substantially more hospitals in-network.
Explore the Provider NetworkDesigned for Use
In our opinion, health share has the 1st priority of saving upfront-cost for its members. This is at times done by declining to cover your claims which forces you to appeal. This makes it easier for them to negotiate with your doctors. *
Clearwater's Copay Major Medical plans are designed with your USE in mind. They're there to cover the needs you know you have. A little more cost, a lot less hassle.
Amazing access without out-of-pocket cost.
You'll still have access to Tier 1 coverage. While not guaranteed, allowing Clearwater to find a provider for an imaging, surgery or procedure could result in your deductible being waived. (Tier 1 not available on the HSA 10,000 plan.)
This, paired with a smoother, jump-through-hoops-free claims process is what makes Clearwater truly special. *
Low cost RX
Clearwater's Copay Major Medical plans now offer $0 generics and Name brands as long as they're on the formulary (List of covered medications).
This could save you money each month compared to your current health share monthly contribution expectations on prescriptions. *
Search the Formulary
