WellthCare™ is the first, patent-pending Health-to-Wealth™ benefits system that gives employees $0 co-pay and $0 deductible care, while rewarding verified preventive actions with Pension contributions and Store rewards — all while helping employers lower healthcare costs over time. It aligns prevention, care, and financial security into one system — instead of three disconnected ones.

WellthCare™ is designed for two types of employers: Employers who can't afford traditional major medical, especially those with frontline, hourly, or high-turnover workforces / Employers who already offer major medical, but are struggling with rising premiums and underused preventive care. WellthCare™ meets employers where they are — and works with or without existing coverage.

Not at first. WellthCare™ can: Stand alone for employers who don't offer major medical / Layer on top of BUCA or self-funded plans, where it is used first to reduce claims and waste. Over time, WellthCare™ provides real data through the Readiness Index™, showing whether and when switching plans makes financial sense. For employers whose data shows they're ready, WellthCare Complete™ becomes available — a fully integrated, self-funded alternative to BUCA, often reducing total healthcare costs by 25–40%.

WellthCare™ is not a single product — it's a coordinated ecosystem designed to reduce risk and cost over time. It includes: WellthCare Store™ — real-dollar rewards for preventive actions / WellthCare Readiness Index™ — converts employee behavior into financial clarity / WellthCare Medicare™ — moves eligible employees into aligned Medicare coverage / WellthCare Pharmacy™ (fulfilled by Vibrix) — replaces PBMs with transparent, lower-cost drug pricing / WellthCare Complete™ — a fully integrated, self-funded alternative to BUCA. Each piece works on its own — but together, they compound savings.

The Readiness Index™ is a proprietary, patent-pending report generated after several months of real employee usage. It analyzes: Preventive care behavior / Risk and utilization patterns / Medication pricing through WellthCare Pharmacy™ / Medicare eligibility / Benchmark and underwriting data. It shows — with math, not guesses — whether it makes sense to move employees to WellthCare Medicare™, WellthCare Pharmacy™, or WellthCare Complete™.

WellthCare Medicare™ is an integrated Medicare option for eligible employees. It allows older or Medicare-eligible employees to: Keep their WellthCare support / Keep earning Store rewards / Keep receiving Pension contributions / Stay inside the same care and navigation system. For employers, it removes high-cost, high-risk lives from the group plan — often producing immediate savings.

WellthCare Pharmacy™ replaces traditional PBMs with transparent, aligned pricing. It is fulfilled by our mail-order company Vibrix, which provides: Lower drug costs (often 20–40% less) / Home delivery / No spread pricing / Refill and adherence support. This reduces waste, improves adherence, and lowers overall healthcare spend.

Cost reduction happens through alignment, not restriction. Because employees have $0-cost care, they: Seek care earlier / Use preventive services / Avoid unnecessary major medical claims. When claims do occur, employees are incentivized to reduce them using WellthCare™'s bill-reduction tools — averaging ~70% savings on hospital bills. Fewer claims. Lower severity. Less waste.

There is no out-of-pocket cost to the employer or the employee to launch WellthCare™. And it can be launched at any time (no need to wait for renewals). HR spends some time enrolling employees — but saves time long-term because WellthCare™ Support handles care navigation, billing questions, and employee issues.

Yes. WellthCare™ has been reviewed by one of the nation's leading ERISA counsel and operates within existing healthcare and retirement frameworks, including SECURE Act-enabled incentives. The platform maintains compliance-grade records and reporting automatically. Quote: "WellthCare™ is fully compliant and unique..." — Darcy L. Hitesman

Minimal. Employees use the app / HR gets dashboards and reports / Compliance and documentation are automated. No new workflows. No extra burden.

All support flows through WellthCare™ Support: Phone 877-264-5727 / In-app & web chat. We handle navigation, bills, and questions — so HR doesn't have to.