health care facts

• 30 million people do not have health insurance.
  

• 65 million independent contract workers only have limited and expensive options.
  

• Statistics from 2021 show that 50% of Americans
  

have medical debt.

• A recent survey found that two-thirds of respondents had avoided seeking medical help because of financial worries.

• More than 65% of bankruptcies involve medical debt.
  

90% of those had insurance.

The system is broken...

Who is clearwater?

• Clearwater Benefits is a healthcare vendor. They offer a variety of high-quality, very affordable healthcare solutions via traditional insurance plans, health share-based solutions, and supplemental insurance offerings.
  

• Clearwater was established in 2018 and has years of experience with traditional healthcare and health sharing plans.
  

• ClearShare, the Clearwater health share, is a nonprofit.
  

• ClearShare puts healthcare decisions back in
  

your own hands.

• Clearwater is like the Young Living of health care.
  

They want to disrupt the health insurance industry.

***This is NOT health insurance

What is a health share?

• A Health Share is a community of individuals who contribute collectively to help each other with medical expenses
  

• Monthly contributions replace traditional health
  

insurance premiums

• Contributions form a shared pool used to help pay for
  

medical costs of members

• Members have a responsibility amount called an Annual Max that must be paid before expense sharing begins
  

• Health Shares typically share up to 100% of medical expenses after the Annual Max amount is fulfilled
  

***This is NOT health insurance

health

sharing

traditional health

insurance

• Non-profit organization.
  

• Cooperative Arrangement: Community of individuals who agree to pool their resources to cover medical costs.
  

• Open network of providers.
  

• “Deductibles”: An Annual Max amount, similar to a deductible, which must be paid before sharing begins.
  

• Low/no denial rate: Once your Annual Max is met, all medical expenses are shareable.

• Holistic + ClearShare plan’s holistic services provides low cost per visit fees without an Annual Max requirement. Holistic plan has no Annual Max.
  

• Puts your healthcare decisions back in your hands and more of your hard-earned money stays in your pocket.
  

• NOT health insurance.
  

• For profit.
  

• Premiums: Regular premiums are paid to an insurance company for coverage.
  

• Limited to plan providers.
  

• Deductibles and Copayments: After deductibles are met, insurance often covers a portion of costs split with the insured member.
  

• High claims denial rate: What’s approved or denied can be based on an insurer’s shifting contracts with drug & device manufacturers rather than optimal patient treatment.
  

• Regulation: Traditional insurance is subject to regulatory frameworks and oversight.
  

introducing Young Living Health plans

Better care. Better choices. Better cost.

plans to save you money

For those who want a blend of holistic & medical/emergency care.

For those with a health plan

who want access to holistic services or those 65+ older.

For those who want coverage for medical/emergency care.

***This is NOT health insurance

MONTHLY Wellness reimbursement

ANY Young Living Essential Oils

and/or Supplements

INDIVIDUALS

*Must submit YL invoice from Order

History within 30 days to ClearShare

*Must be ordered from the

Young Living website.

COUPLES

OR FAMILIES

TIMING

Sign up must occur

the month before coverage starts.

Young Living Health Plans are billed on the 10th of the month. PV is added by the 25th of the month.

Young Living commissions paid the following month via normal cycle.

I love knowing our family is protected in case of anything catastrophic but I’m more excited about finally having a health plan that fits our holistic needs for chiropractic care, functional doctors, thermography, IV drips

and acupuncture!

Our family was with a different healthshare program for years. We thankfully rarely ever needed it. But it didn’t cover the holistic services we typically used so we were still paying a lot of money out of pocket. I’m so glad that we have Young Living’s Holistic + ClearShare plan now!

I’ve been paying $800 a month for a health plan that I rarely use. My deductible is $10,000! I’m going to save SO much money with this Holistic + ClearShare plan. I’ll get to see the holistic practitioners I typically see and won’t have to pay so much out of pocket. I’ll still have the backup of traditional health options if I need them.

Our family is saving over $20,000 a year! We never used our PPO because we rarely went to a traditional doctor! We love having access to all of the holistic features of the Young Living Holistic + ClearShare plan.