Frequently asked questions

MightyWELL Health is a health care membership that many healthy individuals, families and small businesses use in place of traditional health insurance. One monthly price bundles preventive care, everyday doctor visits with set copays, $0 telemedicine, a HealthShare for major medical events, and a 100% US-based concierge team that helps you use it. See the full breakdown.

Plans start at $315 a month for one person age 45 and under. Your price depends on three things: your age (45 and under, or 46 and over), who is on the plan, and the Unshared Amount you pick ($2,500 or $5,000). Get your exact price in about 5 minutes.

No, and Jeremy will always be upfront about this. MightyWELL is a health care membership. The part that handles big medical bills is a HealthShare, which is not insurance. It is a membership where participants share eligible medical costs. It is not regulated as insurance and does not have a state guaranty-fund backstop. Jeremy walks through exactly how it works before anyone enrolls. The Concierge Membership is also not a MEC plan. If you need MEC coverage, for example to meet the employer mandate, Jeremy offers a separate MEC plan.

It is the part of a major medical event you pay before sharing kicks in, a lot like a deductible. You choose $2,500 or $5,000. A lower Unshared Amount means a higher monthly price. Your most out of pocket in any rolling 12 months is two times your Unshared Amount.

Primary care is $20, specialists are $50, urgent care is $50, and 24/7 telemedicine is $0. Lab work is $0, and your annual physical, screenings, immunizations and well-child visits are included.

MightyWELL gives you nationwide provider access. Some billing offices are less familiar with how it works, and when that happens the concierge team steps in to handle it for you.

Major health events tied to a pre-existing condition phase in over your first four years: not eligible in year 1, up to $30,000 in year 2, $60,000 in year 3, $150,000 in year 4, and no limit from year 5 on. Well-managed conditions like high blood pressure, high cholesterol, type 2 diabetes and thyroid conditions are not part of that limit as long as you have not been hospitalized for them in the last 12 months.

For most healthy people, MightyWELL is meant to replace traditional insurance, not sit on top of it. The exception: if you are in treatment for something serious, have a surgery planned, or are pregnant, keep your current coverage for now. Call Jeremy and he will tell you honestly which way makes sense.

Yes. Many small businesses use it in place of a traditional group health plan because it can cost far less. Jeremy runs your employee list and shows you real numbers side by side with what you pay today. See MightyWELL for employers.

No. A Choice Arrangement and MightyWELL are two separate options. An employee picks one or the other.

Get your price online and click Enroll Now, or call Jeremy at (918) 400-0387 and he will walk you through it. It takes a few minutes.

Coverage your employees choose and pay for through payroll deduction: accident, hospital, critical illness, disability, life, dental and vision. Most pay cash straight to the employee when something happens, to help with deductibles, bills and lost pay. See all the options.

No. They work alongside your health coverage and help pay the out-of-pocket costs a health plan leaves behind. If you want to replace your health plan, look at MightyWELL Health.

For most groups, no premium cost at all. Employees pay for what they choose. What it takes from you is about 30 minutes of your team's time for enrollment and a payroll deduction line. Some employers choose to pay for one benefit as a thank-you to their team.

Yes. Most workplace voluntary plans are guaranteed issue at first enrollment: no medical exams, no health questions, and no denials for pre-existing conditions. Groups with as few as 3 employees can qualify. Employees who wait until later may face health questions, so the first enrollment is the easy one.

Some can, through a Section 125 plan. Jeremy will flag which ones qualify and coordinate with your CPA.

Yes. Spouses and children can be covered on most plans, and children can stay on through age 26. Jeremy walks employees through adding family during enrollment.

Small businesses, mostly 3 to 49 employees. Groups as small as 3 can qualify for guaranteed-issue coverage with no health questions.

Under 50 full-time-equivalent employees, no. The federal employer mandate does not apply to you. Most small employers offer benefits because they are competing for good people, not because they have to.

A Choice Arrangement (formerly called an ICHRA) lets you give each employee a set monthly amount, tax-free, to buy their own health plan instead of running a traditional group plan. You control the budget, and employees pick the plan that fits them. Learn how it works.

It depends on what you offer. Traditional small-group health plans usually require you to cover part of each employee's premium, often about half, and to get enough employees enrolled. Voluntary benefits often require nothing from you. With a Choice Arrangement, you set the amount.

Most businesses have options in hand within 24 hours of the first call, and can have a plan ready within a few days.

Yes. After enrollment you get a deduction schedule listing each employee, each benefit and each per-paycheck amount, in whatever format your bookkeeper or payroll company needs.

That is normal, especially when a spouse already has family coverage. Some plans need a minimum number of employees enrolled, and Jeremy will tell you that upfront.

Jeremy starts the renewal conversation early, with options in hand. You should never hear about a rate increase for the first time three weeks before it takes effect.

Yes. Individuals, families and the self-employed are a big part of what Jeremy does: MightyWELL Health, traditional health plans, life insurance, and dental and vision.

Not on traditional health plans, and not on guaranteed-issue voluntary benefits at first enrollment. MightyWELL phases in pre-existing conditions over four years, so Jeremy will go over that with you before you enroll.

No. You pay the same price whether you use Jeremy or sign up on your own. Working with him costs nothing extra and gives you someone to call when something goes wrong.

It depends on your income, debts, future costs like college, and what you already have. See how the number is figured, or ask Jeremy to run it with you.

About 15 minutes of questions: how many people you are covering, what you have today, what it costs, and any deadline you are working toward. No sales pitch and nothing to sign.

Options usually arrive within 24 hours of the first call. Calls and emails during business hours are answered the same day whenever possible.

No. Boyles Benefits Group is independent, so you see options from several companies side by side.

Then Jeremy will tell you so. Being straight with you now is how he earns the call you make two years from now.

Yes, throughout the Tulsa area. Virtual meetings work too, including employee enrollment meetings for businesses anywhere in the country.