FAQ & Glossary

Yes, plans are available in all 50 states.

To enroll in a ClearShare membership, only the primary member must have a Social Security Number. Dependents are not required to have a Social Security Number.

To enroll in a Major Medical plan, all members must have a Social Security Number.

No, you do not need a medical checkup to enroll, but you will be asked specific questions about your medical history on the enrollment form to ensure the membership or plan you are enrolling in will be a good fit for you.

Yes, you can enroll in dental and vision plans without bundling them with medical.

Clearwater Benefits is a healthcare vendor. Clearwater Benefits offers a wide variety of high quality, highly affordable healthcare solutions tailored to meet individuals’ unique needs via traditional insurance plans, healthshare-based solutions, and supplemental insurance offerings.

A healthshare, also known as medical cost sharing, is a nonprofit program that provides an organized structure for a community of members to contribute toward each other’s medical costs.

ClearShare is healthshare; a membership-based community of individuals established for the purpose of sharing eligible healthcare expenses between Members as described in the Member Guidelines. ClearShare is not insurance.

For Major Medical plans, open enrollment is November 1 through December 31. Your plan effective date during open enrollment is January 1. For those that enroll outside of open enrollment, your effective date is on the first of the month following a full 60-day waiting period.

You will keep your healthcare plan until the end of the calendar year, regardless of when you enroll. If there is a qualifying life event, you may be eligible to update or cancel your plan before Open Enrollment.

You can switch plans during Open Enrollment. To switch before then, you must have a qualifying life event.

To cancel your plan, contact members@clearwaterhealth.com. In order to cancel your plan, you must have a qualifying life event. You have 31 days from the date of your qualifying life event to notify us of the qualifying life event in order to cancel your plan. Your policy will terminate at the end of the month from the date we receive your qualifying life event documentation.

You can cancel your current plan, which may require a Qualifying Life Event or a 30-day notice, and then re-enroll in the Holistic plan you are interested in. Please be aware your monthly price and coverages may change. Before canceling your plan and re-enrolling, please speak with your benefits consultant to understand how your benefits may change.

For members already on a ClearShare plan, as long as the membership does not lapse it will be considered continuous. Your Annual Max and pre-membership condition waiting periods will not reset. Any medical needs that occur between the time when a member cancels their plan and enrolls in a new plan are not shareable. If a person chooses to re-enroll at a later date, they will be subject to the limitations associated with pre-membership medical conditions.

ClearShare plans include therapeutic massage if the therapy is related to an eligible need and prescribed by a licensed medical provider. Massage therapy is shareable for 25 sessions per need, up to $3,000. Learn more in the ClearShare Member Guidelines.

On the Holistic Premium plan: If your chiropractor or acupuncture offers massage, it can be included in those visits under the applicable costs and limits.