FAQ & Glossary

Yes, plans are available in all 50 states.

To enroll in a Young Living Health Plan, the primary member must have either a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) . Dependents are not required to 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.

Find more information here:

Dental Plans

Vision Plans

To cancel your plan, contact members@clearwaterhealth.com. A 30 day notice is required to cancel your plan. The plan will be terminated as of the 1st of the month following the 30 day notice.

Contact us at members@clearwaterhealth.com

Both people are eligible for the Holistic plan, but only the person under 65 is eligible to join ClearShare.

The person who is under 65 should enroll in the Holistic-only plan as the primary member and add the older spouse as the dependent.

Once they are enrolled, the person under 65 should sign up for a ClearShare-only plan just for themself.

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.

Young Living Health Plans offer ClearShare memberships.

The Young Living Health Plans are a great fit for individuals and families who are looking to lower their monthly costs and out-of-pocket expenses as much as possible and participate into a health plan that promotes using holistic practitioners and modalities.  Because these are not insurance, some administrative work will fall on members and some limitations apply, as outlined in the Member Guidelines. These guidelines keep costs low for the whole community.

There are three primary plans to choose from:

• Young Living Holistic + ClearShare — Our holistic health plan combined with the ClearShare healthshare plan to safeguard against high health costs
• Young Living Holistic — Our holistic health plan without  access to a comprehensive health plan
• ClearShare — A healthshare plan for any budget, which does not include our revolutionary holistic plan 

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.

You can enroll in a ClearShare membership at any time.

For ClearShare memberships, your effective date is on the first of the next month, or the first of a future month.

Members may choose to change their Annual Maximum ($1000, $2500, $5000) at your 1-year renewal date or during Open Enrollment.

You can add or remove your Holistic plan or ClearShare membership with 30 days cancellation notice.

To cancel your membership, contact members@clearwaterhealth.com.  The request must include the reason for cancellation, and the requested month in which the cancellation of the membership is to be effective. ClearShare requires a 30-day notice to cancel a membership. ClearShare does not prorate cancellations or give refunds. Cancellations become effective on the last day of your monthly billing anniversary following the timely receipt of your membership cancellation request.

At the age of 18 a child is eligible to enroll in their own individual membership. However, a child can stay on a parents plan until the age of 26. At the age of 26 or when a child gets married, a child must enroll in their own membership. If someone is 65 or older they are not eligible for a ClearShare membership; however, they can enroll in our Holistic plan.

Yes, to add or remove dependents to or from your existing membership, please email members@clearwaterhealth.com. Add/remove dependents by the end of the month to be effective the first of the following month. Please see the ClearShare Member Guidelines for more information about timelines, monthly contribution changes, and Family Annual Max status.

For more information about maternity, see the Maternity Guidelines.

The ClearShare Member Guidelines are available here: https://clearsharehealth.org/member-guidelines/

No, a referral is not needed. 

Preventive services as defined by the ACA are not included with ClearShare. However, in the Holistic plan, wellness services such as acupuncture, chiropractic, thermography, and IV drips are offered with low provider fees.

Needs that arise from conditions that existed prior to membership are only shareable if the condition was regarded as cured and did not require treatment for 12 months prior to the effective date of membership. Any illness or injury for which a person has been examined, taken medication, had a diagnostic test performed or ordered by a physician, or received medical treatment is considered a pre-membership medical condition.

High blood pressure, high cholesterol, diabetes (types 1 and 2), hypothyroidism, and hyperthyroidism will not be considered pre-membership medical conditions as long as the member has not been hospitalized for the condition in the 12 months leading up to the effective date and is able to control it through medication and/or diet, as evidenced by lab results/readings within the normal range.

Cancer, heart disease, stroke, and chronic obstructive pulmonary disease (COPD) are only shareable if the condition was regarded as cured and did not require examination, medication, testing, or any other medical treatment for five (5) years prior to the effective date of membership.

If you think you may have a pre-membership medical condition, we encourage you to schedule a call with one of our Expert Benefit Consultants who can help assist you in recommending the best plan based on your needs. Just because you have a pre-membership condition doesn't mean you can't enroll in the Clearwater plans, but further information will be required to determine whether a plan is a good fit for you. 

Pre-membership medical conditions have a phase-in period wherein sharing is limited. Starting from the initial enrollment date, members have a one-year waiting period before pre-membership medical conditions are shareable. After the first year, pre-membership medical condition needs are eligible for sharing on a limited basis, with the amount increasing each membership year.

Shareable amount for pre-membership medical conditions:

• Year One: $0 (waiting period)
• Year Two: $25,000 maximum per need
• Year Three: $50,000 maximum per need
• Year Four: $125,000 maximum per need

After year four of membership, expenses related to pre-membership medical conditions will remain shareable at a maximum of $125,000 in a 12-month rolling period and resetting each membership year.

If you have a major procedure you are going to schedule, please contact Care Coordination at members@clearwaterhealth.com or 877-405-2926. Care Coordination can help you find a provider and waive your out-of-pocket costs.

For any accident or ER visits, there are no restrictions on providers you can access and you can go anywhere for care.

For prompt payment, providers should submit medical bills directly to ClearShare using the information on a member’s ID card.

• Payer ID: DCRSS
• Medical bill address: PO Box 3616, Portland, ME 04104
• Fax: 877-405-3639

If a provider cannot or will not submit bills to us directly, members should contact ClearShare prior to scheduling a procedure, or as soon as possible.

There are no restrictions on providers you can access, and you can go anywhere for care.

If you have a major procedure you are going to schedule, please contact Care Coordination at members@clearwaterhealth.com or 877-405-2926. Care Coordination can help you find a provider and waive your out-of-pocket costs.

If you have an ER visit, major procedure, or accident providers should submit medical bills directly to ClearShare using the information on a member’s ID card.

• Payer ID: DCRSS
• Medical bill address: PO Box 3616, Portland, ME 04104
• Fax: 877-405-3639

If a provider cannot or will not submit bills to us directly, members should contact ClearShare prior to scheduling a procedure, or as soon as possible.

For the Holistic plan, submit a need request here: https://clearsharehealth.org/holistic-need-request.

Yes! You can enroll anytime and they will be added and effective the following month.

The monthly maximum is the total amount the plan will share for IV drips per month or visit. IV drips are covered with a $25 out-of-pocket payment per visit and a $100 limit per month, meaning the plan will only share in up to $100 per month. Therefore, if an IV is $150, the plan pays $100 and the member is responsible for the other $50. IV drips are the only benefit with a monthly maximum.

Young Living Health Plan support is available Monday through Friday, 7 AM through 7 PM. This is not to be confused with Amaze, which is available 24/7 for telehealth. For emergencies, always dial 911.

As long as you’re working with Amaze virtual providers, you have access to unlimited mental healthcare at no cost to you. Costs for providers outside of Amaze are not shareable on Young Living plans.

No, children don’t need to live at home to be on their parent or legal guardian’s plan. They just need to be under the age of 26.

No, the Holistic Plan, Holistic + ClearShare, and ClearShare plans are not insurance and do not meet ACA requirements.

This means our members in California, the District of Columbia, Massachusetts, New Jersey, Rhode Island, and Vermont risk paying the penalty for ACA compliance. The good news is that if you’re asked to pay the penalty, it still adds up to far less than what you’d pay to be on a traditional plan.

Consult with your tax adviser for more information about how this could impact you.

Some healthshares are exempt from ACA requirement penalties for being started before 1999. Since ClearShare was founded after 1999, we don’t get this exemption.

Currently, we don’t have preferred providers for our holistic plan, although we hope to create that community in the future. 

If your provider takes insurance, you can attempt to give them your ID card and request that they bill ClearShare. You could also request the bill from the provider and say you’ll be submitting it to ClearShare for payment.

Most holistic providers will only accept cash payments at the time of service, and won’t want to wait on a third party for payment. If this is the case, please tell your provider you are a cash-pay patient, and request an itemized superbill with each service or procedure listed, as well as the cost of each. If you expect multiple treatments, ask your provider for a bundled price or package for services. You can submit your bill(s) and proof of payment directly to ClearShare at ClearShareHealth.org/holistic-need-request.    

Young Living Health Plans only cover the specific services outlined by your plan.  If your practitioner provides additional services during your visit, you may be responsible for those charges.  You must submit an itemized bill or suberbill to be reimbursed for your visit, and this bill will clearly outline the services you received. Our Needs Processing Team uses this documentation to identify what’s covered by the plan, and which services you’ll be responsible for. If you ever have questions about coverage, feel free to reach out.

You can be reimbursed for any purchases made on or after your plan’s effective date.

You may see all licensed medical providers and functional care doctors such as Licensed Naturopathic Doctors (ND), Doctors of Chiropractic (DC) with a DABCI certification, Doctors of Medicine (MD), Doctors of Osteopathic Medicine (DO) specializing in functional medicine. For acupuncture, you must see a licensed LAc. For chiropractic, you must see a certified DC.

These are optional add-ons to your health plan that ensure you have the maximum financial protection in the case of extreme medical events. These plans are in addition to any coverage your health plan already provides.

• Critical Illness: In the event of an unexpected, sudden illness, you will receive a lump sum payment, allowing you to cover the costs associated with treatment.
• Accident: Receive a lump sum to cover you in the case of any ER procedures.

You can buy them in two tiers that offer different levels of coverage.

• Pro Tier: $5,000 Accident and $10,000 Critical Illness
• Premier Tier: $10,000 Accident and $20,000 Critical Illness

You can cancel your current plan, which may require a Qualifying Life Event or a 30-day notice, and then re-enroll in the Young Living 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.

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ClearShare from Clearwater Plans and Holistic + ClearShare Plans reimburse expenses related to 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.

The Holistic Plan does not cover massage unless it's offered by your chiropractor and part of your chiropractic visit.

The Holistic plan is not eligible for Care Coordination. However, you can use Care Coordination on ClearShare to find providers for labs, imaging tests, some surgeries, and other major procedures.

When Care Coordination is able to find a provider in your area that we recommend, your care is completely free. Our team will work diligently to find you a recommended provider, however there are instances where no provider is available. Care Coordination benefits are not guaranteed.

When you need a service that is eligible for Care Coordination, we recommend contacting us at least 21 days before obtaining services. When you choose to see the provider we recommend, your care is completely free.

Our team will work diligently to find you a recommended provider, however there are instances where no provider is available. Care Coordination benefits are not guaranteed.

Care Coordination does not have a doctor lookup. The providers we recommend depend on a variety of factors. 

No, Care Coordination works to find and recommend you a fair-priced, high quality provider.

If you want to choose your own provider, you will pay your plan's stated member cost.

Yes, we can recommend providers for a second opinion.

Yes, Care Coordination must be contacted and a provider must be recommended for each service in order to be eligible for waived out-of-pocket costs.

We need orders from your doctor to determine the correct lab/radiology center to recommend you to. 

If you are on a ClearShare plan, you first must open a Needs Request online and submit your medical records, including a progress note from your provider, and an order for the procedure.

Call 877-405-2926 or email members@clearwaterhealth.com.

Young Living has been seeking a healthcare plan to offer to its independent workforce and is fortunate to partner with Clearwater Health who is a not-for-profit company.

To be able to offer healthcare to our independent workforce aligns with Young Living’s core values of empowering wellness, purpose, and abundance for communities around the world.

Clearwater Health’s core values are similarly aligned, and they’re taking great strides toward making quality healthcare affordable and accessible to everyone. Furthermore, Clearwater is offering a customized health plan, exclusively for Young Living, that seamlessly blends holistic and conventional principles into a revolutionary program.

In addition to all of this, we’re very excited to announce that the Young Living Health Plan is available for you to sell, and it contributes to your overall group volume (OGV) and commissions.  

For healthshare-specific information visit our FAQ on ClearShare membership here.

Clearwater Health will be hosting both live and recorded webinars. These webinars are meant to provide an overview and help get potential members into the right plan. 

There are three primary plans to choose from:

• Young Living Holistic + ClearShare — Our holistic health plan combined with the ClearShare healthshare plan to safeguard against high health costs
• Young Living Holistic — Our holistic health plan without  access to a comprehensive health plan
• ClearShare — A healthshare plan for any budget, which does not include our revolutionary holistic plan

Young Living Healthcare is available to all Young Living Brand Partners and Customers based in the US. If you are not a Young Living Customer, you can create a Young Living account using your friend’s referral number and then use your Young Living member number to enroll in a Young Living Health Plan.

Currently, the plan is available for our US-based members, however, we are exploring international options. Stay tuned for more information.

Please note that if you travel internationally, the ClearShare from Clearwater plan may include coverage for emergencies. 

Enrollment windows are year-round, so you can sign up anytime. The plan begins on the first of the month following enrollment. 

• Individuals and families who are self-employed or uninsured
• Anyone who is paying too much for (traditional) healthcare
• Anyone who wants access to both traditional and holistic healthcare
• Anyone who wants a holistic plan in addition to their existing plans
• Anyone over the age of 65 who wants to add the holistic plan to their Medicare coverage
• Practitioners who want to help their patients get access to lower health care costs
• Young Living members who want to earn extra commissions by offering our health plans

At the age of 18, a child is eligible to enroll in their own individual membership. However, a child can stay on a parent's plan until the age of 26.

Healthshare plans are not available to those over 65 years old; however, the Young Living Holistic plan is available to those over 65. It is a perfect addition to Medicare for anyone over the age of 65 who may like to see holistic practitioners.

1. If you would like to earn commission when you share Young Living Health, make sure to upgrade your account to become a Brand Partner if you are not already one.
2. Your friend will create a Young Living account using your referral link.
3. Your friend will go to YoungLiving.com > Young Living Health Plans to choose their desired plan.
4. Make sure to tell your friend that they can share just like you have.

You qualify for an individual plan. Your parent may also qualify for their own Holistic health plan.

Yes, you qualify for any plan. Please select the “married/cohabiting adults” option.

Yes, a family includes the member, a spouse, and any number of children in the household, up to age 26.

You’ll earn a PV/Point Value for each Young Living healthcare plan you sell. The Unilevel commissions will be paid just as if they were Young Living product PV and will be added to your account. The PV will be added to the member’s account on the 25th of their first month of Young Living Health Plan coverage.

Commissions will be paid the following month with the normal commission payout. (Young Living Health Plan is not eligible for Fast Start Bonus). 

You are charged for your Young Living Health Plan on the 10th of each month. For healthshare-specific information, visit our FAQ on ClearShare membership here.

If you have an ER visit, major procedure, or accident you will need to open a need request through ClearShare at http://clearsharehealth.org/need-request and submit your bills.

For the Holistic plan, submit a need request here: https://clearsharehealth.org/holistic-need-request.

The Young Living Holistic Plus and Young Living Holistic plans both allow you to get reimbursed for any supplements or essential oils you choose.

The reimbursement is $50/month for an individual plan and $75/month for a couple, single parent with kids, or family plan. This applies to any Young Living supplements and essential oils purchased directly through your Young Living account and does not apply to Young Living products purchased elsewhere (e.g. Amazon, Ebay, etc). 

Holistic + ClearShare or Holistic: You will be reimbursed $50/month for individual plans and $75/month for couples and/or family plans for any Young Living essential oil or supplement you purchase.

Submit your personal Young Living invoices within 30 days of the date of purchase directly here.

To expedite your monthly reimbursement for oils and supplements, submit all your invoices together. Reimbursements take up to 4 weeks. This reimbursement only applies to Young Living supplements and essential oils purchased directly through your Young Living account and does not apply to Young Living products purchased elsewhere (e.g. Amazon, eBay, etc).

The purchase must be made when the plan is in effect to qualify for reimbursements. 

*We recommend you put your Young Living essential oil and supplement purchases on Young Living’s Loyalty Rewards program so you are earning free store credit. Learn more about Young Living’s Loyalty Rewards program here.

The Young Living Holistic plans include $50 - $75 in Young Living’s essential oils and supplements reimbursed every month. It also includes access to other preventive wellness services such as acupuncture, chiropractic, thermography, and IV drips with low provider fees.

Any practitioner of your choosing. 

Primary Care includes traditional care through licensed medical providers, as well as functional care, including licensed Naturopathic Doctors (ND), Doctors of Chiropractor (DC) with a DABCI certification, Doctors of Medicine (MD), or Doctors of Osteopathic Medicine (DO) specializing in functional medicine.

For Chiropractic, the plan will cover any licensed Doctor of Chiropractic (DC). For Acupuncture, the plan will cover any licensed acupuncturist (LAc).

• Primary Care: The member pays the first $20 and ClearShare shares in the rest up to $150 per visit. The Holistic plan includes 5 visits per calendar year, per person.
• Chiropractic and acupuncture: The member pays the first $35 per visit, and ClearShare shares in the rest. The Holistic plan includes 24 visits per calendar year, per member, combined.
• IV Drips: The member pays the first $25 and ClearShare shares in the rest, up to $100 a month.
• Breast imaging: The member is responsible for the first $150, and ClearShare will share in the rest. The Holistic plan includes either thermography or mammogram and is limited to one visit per calendar year, per person.
• Young Living Essential oils and supplements will be reimbursed when ordered directly through your Young Living individual/family account at $50.00/month for an individual plan and $75.00/month for a couple, single parent with kids, or family plan. For reimbursements, please see above. 

Yes. 

To keep plans affordable for the entire community, we’ve implemented a maximum benefit limit of $175 per visit for chiropractic and acupuncture services on our Young Living Holistic plans.

As a reminder, members are eligible for up to a combined 24 acupuncture and chiropractic visits per year at the low member responsibility of just $35 per visit —  which includes any service during that visit, with a maximum plan responsibility of $175 per visit.