Employee benefits they actually use and feel good about.

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™ is Internal Revenue Service (IRS) Compliant, Regulation 125, and has been reviewed by one of the nation's leading ERISA counsel. It operates within existing healthcare and retirement frameworks, including SECURE Act-enabled incentives. The platform maintains compliance-grade records and reporting automatically.

“WellthCare™ is fully compliant and unique…” — Darcy L. Hitesman, employee benefits plan compliance with the Internal Revenue Code, ERISA, HIPAA, FMLA, COBRA and state insurance laws. As seen on Forbes.

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.