Just like other reviewers, if I could give a zero star, I would! They cover almost nothing and gladly steal your money each month. I called to cancel when I saw they charged me for another month (4... Voir plus
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First Off...I would give netWell zero stars if it were possible. Secondly if you are thinking about using netWell DON'T....use the health insurance marketplace even if it seems expensive...it's not c... Voir plus
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Netwell has helped me navigate some challenging health issues the last couple years. Yes, we have to be mindful if a pre-auth is necessary or have the documentation to support why we went to the ER an... Voir plus
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My initial impressions of Netwell have been excellent. Our contact, Kathy, has been incredibly thorough, professional and kind. It's been the complete opposite experience of what we had with our pre... Voir plus
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À propos de l'entreprise
Écrit par l'entreprise
netWell is a Health Care Sharing Ministry (HCSM) that treats its members like family. Our members share a common set of religious and ethical beliefs, contributing to and supporting each other’s eligible medical needs based on these values. We welcome anyone who aligns with our Statement of Religious and Ethical Beliefs to join our community.
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- netwell.com
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Just like other reviewers
Just like other reviewers, if I could give a zero star, I would! They cover almost nothing and gladly steal your money each month. I called to cancel when I saw they charged me for another month (4 hours after it hit bank account) to pay for the next month and they wouldn’t refund my premium paid. They covered nothing when my wife went to emergency room for heart attack symptoms. They said due to pre-existing conditions (low thyroid). Give me a break!!!! DO NOT get this insurance!
31 mai 2026
Avis spontané
Réponse de netWell
Thank you for bringing your concerns to our attention.
Our records indicate that your Monthly Commitment Contribution (MCC) payment of $540.06 was successfully drafted on May 27, 2026. We also show that you contacted netWell later that same day to request cancellation of your wife's membership and a refund of the payment.
Per the Member Guidelines, cancellation requests must be submitted in writing at least 72 hours prior to the scheduled draft date to allow sufficient time for processing and to ensure the payment can be stopped before it is withdrawn. Unfortunately, because the cancellation request was made after the draft had already occurred, the required cancellation procedure was not followed.
As a result, the June contribution remains valid, and your wife's membership remained active through June 30, 2026. Coverage and eligibility for sharing under the program continued during that period in accordance with the Member Guidelines.
We understand this may not have been the outcome you were hoping for, but netWell applied the cancellation policy consistently and in accordance with the guidelines governing all memberships.
Thank you,
First Off...I would give netWell zero…
First Off...I would give netWell zero stars if it were possible. Secondly if you are thinking about using netWell DON'T....use the health insurance marketplace even if it seems expensive...it's not compared to netWell's refusal to pay legitimate claims for anything other than routine doctor visits and prescriptions. If you need an expensive, potentially life saving surgery, they will figure out a way to claim that the need for that surgery was due to a pre-existing condition even though you had no idea that your condition had progressed to a point it was no longer considered to be in the normal expected range. PLEASE READ the other reviews before you even CONSIDER this sub-standard sham outfit. They switched network providers 2x during the span of only a few months causing us to switch both our primary care physicians and any specialist physicians TWICE. They take MONTHS to even decide if they are going to pay anything but routine doctor visits and then they figure out some way to call your condition a pre-existing condition so they don't have to pay. THIS IS A CINO company (Chrisitan In Name Only). DO not trust them for anything out of ordinary simple issues. The problem is that you never know when a more severe issue will arise.
4 mars 2026
Avis spontané
Réponse de netWell
Thank you for your feedback. We are sorry to hear that you were dissatisfied with your experience.
As a health care sharing ministry, netWell evaluates share requests according to the Member Guidelines in effect at the time services are received. Eligibility determinations are based on the documentation submitted, medical records, membership history, and the specific provisions outlined in those guidelines. Because we respect the privacy of our members, we cannot discuss the details of any individual situation in a public forum.
We understand that claim reviews can be frustrating, particularly when significant medical events occur. However, eligibility decisions are not made arbitrarily and are subject to a detailed review process. Members who disagree with a determination have access to an appeal process where additional information can be considered.
Regarding provider networks, from time to time operational changes are made to improve member access and the overall experience. We recognize that transitions can create inconvenience, and we work to communicate those changes and support members throughout the process.
We appreciate your membership and the opportunity we had to serve you. If you would like to discuss your concerns further, please contact our Member Services team directly so we can review your account and address any outstanding questions.
Thank you,
- 47% rate increase with no communication …
As a husband and wife with two teenagers, we are small business owners who intentionally chose NetWell because of its stated values and its positioning as a Christian-based health sharing organization.
Up until this past year, our experience had been positive. We appreciated both the process and the people, and we felt confident in our decision to be members.
Over the course of our membership, we had zero claims, remained on the Elite+ program, and were consistent, reliable members. Despite our long-standing participation and claims-free history, our monthly share amount increased significantly, making the change even more difficult to understand and accept.
Unfortunately, that confidence changed when we experienced a significant and unexpected 47% premium increase. When I contacted customer service, I was informed the increase was tied to a change in rating factors. While we understand that adjustments can occur, what was most disappointing was the complete lack of communication.
There was no advance notice, no explanation, and no opportunity to prepare for what amounted to a substantial increase in our monthly costs.
This experience fundamentally changed how we viewed NetWell.
We no longer felt like valued members. We felt like a line item.
Trust is built over time but can be lost quickly. We were the type of members every organization hopes to serve: low utilization, consistent payments, and a long-term commitment to the program. In return, we expected transparency, fairness, and proactive communication, especially regarding a change of this magnitude.
Given NetWell’s emphasis on Christian values, this situation raised deeper concerns. Stewardship, care, and integrity are not just marketing statements; they are demonstrated through actions, particularly during difficult conversations and significant decisions that affect families.
As a result, we made the decision to leave NetWell and return to traditional health insurance coverage.
Our disappointment is not simply the increase itself. It is how the increase was handled. Better communication and greater transparency could have led to a very different outcome.
22 mai 2026
Avis spontané
Réponse de netWell
Thank you for taking the time to share your experience and feedback with us. We truly understand and appreciate how frustrating and disappointing this situation has been for you and your family, especially after being long-standing members with minimal utilization and a positive experience over the years.
First and foremost, we sincerely appreciate the trust you placed in netWell and the commitment you showed as members of our community. We understand your concerns regarding the increase to your Monthly Commitment Contribution and the feeling that there was not enough communication surrounding the change.
After reviewing your account, the increase was related to an “aging up” adjustment, which occurs when members move into a new age bracket under the program’s rating structure. While these adjustments are outlined within the Member Guidelines, specifically on page 43, which is acknowledged during the enrollment process, we certainly understand your perspective that additional proactive communication surrounding the change would have been beneficial.
We never want our members to feel like they are simply a number, and we are truly sorry that this experience left you feeling that way. Your feedback regarding transparency and communication is important and will be shared internally as we continue evaluating how we communicate significant account changes with our members.
We are grateful for the time your family spent with netWell and appreciate the opportunity we had to serve you. We sincerely wish you and your family nothing but the best moving forward.
Netwell has helped me navigate some…
Netwell has helped me navigate some challenging health issues the last couple years. Yes, we have to be mindful if a pre-auth is necessary or have the documentation to support why we went to the ER and not our GP (they could not find answers, was an allergy to medication) The coverage and explanations have been helpful. It is a learning process but is doable! Kathy is exceptional!!!! Even with some expenses not covered, we still spent thousands less than if we had another type of policy. Just print the manual of the whats and hows and learn how to navigate this coverage. All of the staff is kind and take the time!
10 avril 2026
Avis spontané
Réponse de netWell
Thank you so much for sharing your experience!
We’re truly grateful for the opportunity to walk alongside you during some challenging health situations. Navigating a health sharing program can absolutely be a learning process, and we’re glad to hear that the guidance, explanations, and support from our team have helped make that journey more manageable for you.
You’re exactly right—understanding when preauthorization is needed and having the right documentation can make a big difference, and we appreciate you highlighting that for others. It’s also wonderful to hear that, even with some non-shareable expenses, you were still able to see significant overall savings.
And we couldn’t agree more—Kathy is exceptional! We’ll be sure to pass along your kind words to her and the rest of the team. It means a lot to us to know that you felt supported, cared for, and taken the time to be helped along the way.
Thank you again for your thoughtful feedback and for being a valued part of the netWell community!
I’m beyond frustrated with Netwell and…
I’m beyond frustrated with Netwell and feel obligated to warn others before they trust this company with something as important as their healthcare needs.
My wife recently took a serious fall and badly injured her hand. We live in an area without urgent care, so her only real options were to either wait days (in pain and with limited function) for a doctor’s appointment or go to the ER. She made the responsible decision to go to the ER—because when you can’t use your hand, you don’t gamble with “waiting it out.”
Thankfully, it wasn’t broken—but it was severely sprained, and she lost functional use of her hand for over a month. Anyone who has ever dealt with a hand injury knows how debilitating that is. You can’t work normally, can’t take care of basic daily tasks easily, and your entire routine is disrupted.
And yet, Netwell decided this situation was NOT “life-altering” or “life-threatening,” and therefore not worthy of proper coverage.
Let that sink in.
Apparently, losing the use of your hand for over a month doesn’t qualify as serious enough. That tells you everything you need to know about how this company operates. They hide behind technical definitions and loopholes to avoid paying when you actually need them most.
This isn’t just disappointing—it’s unacceptable.
Health coverage should be there for real-life situations, not just catastrophic, near-death scenarios. Most people don’t go to the ER for fun—they go because they have no other reasonable option. And when they do, they expect the company they’re paying into to have their back.
Netwell does not.
If you’re considering using Netwell, understand this: when you’re injured and vulnerable, they may very well decide your situation doesn’t meet their arbitrary standards—leaving you stuck with the bill.
We trusted them. That was a mistake.
Learn from ours.
16 novembre 2025
Avis spontané
Réponse de netWell
Thank you for taking the time to share your experience. We are truly sorry to hear about your wife’s injury and understand how difficult and disruptive that situation must have been for both of you.
At netWell, we never want any member to feel unsupported—especially during a time of need. Our programs are designed to help members share in eligible medical needs in accordance with our published member guidelines. As a health sharing ministry, and not insurance, all sharing determinations are based on those guidelines, which outline how different types of services—including emergency room visits—are evaluated.
Emergency room services are typically intended for true emergencies where immediate care is required to preserve life or prevent serious long-term harm. In situations where the condition is determined to be non-emergent based on medical review and standard criteria, sharing eligibility may be limited or adjusted. We understand that, in certain areas, care options can be limited, and members may not always have access to urgent care alternatives.
That said, we genuinely value your feedback. Situations like this highlight opportunities for us to continue improving how we educate and support our members in making care decisions. We would welcome the opportunity to review this experience further with you, answer any questions, and ensure everything was processed correctly.
Please feel free to reach out to our Member Experience team directly so we can assist you further.
We truly appreciate you bringing this to our attention and wish your wife continued recovery.
Outstanding customer service...
My initial impressions of Netwell have been excellent. Our contact, Kathy, has been incredibly thorough, professional and kind. It's been the complete opposite experience of what we had with our previous, large HMO. I would give Netwell (specifically Kathy) the highest marks possible and greatly appreciate the care we've received. Keep up the good work!
7 avril 2026
Avis spontané
Réponse de netWell
Thank you so much for your kind words and for taking the time to share your experience with us!
We’re truly grateful to hear that your initial impressions of netWell have been so positive. Providing a high level of service, transparency, and care is extremely important to us, and it’s wonderful to know that Kathy has made such a meaningful impact. She consistently goes above and beyond for our members, and we’re proud to have her as part of our team.
We also appreciate you highlighting the difference in your experience compared to your previous HMO. As a health sharing ministry, we strive to offer a more personal and supportive approach, and feedback like yours reassures us that we’re on the right track.
Thank you again for your trust and support. If you ever need anything, please don’t hesitate to reach out—we’re always here to help.
Totally do not recommend.
I seem to get very different information from every person I speak to about my claims that I personally mailed. You need to go " in network " but all the people I've talked to are in Georgia, I am in Wisconsin. And if it's not insurance how can any MD or office be in network
30 mars 2026
Avis spontané
Réponse de netWell
Thank you for your feedback, Dawn.
We do offer access to a provider network and would be more than happy to assist you in locating a provider in your area. While you do have the flexibility to seek care outside of the network, please note that out-of-network providers may not always be willing to bill us directly. In those cases, you may be required to pay upfront and submit your expenses for reimbursement.
You are correct that we are not insurance. We are a registered 501(c)(3) nonprofit health sharing ministry, which allows us to provide access to a network of providers for our members.
If you have any additional questions or need assistance, please don’t hesitate to reach out—we’re here to help.
Jim awesome Customer Medical Billing Expert
The few years I had Netwell before I turned 65 years old was an awesome experience. My wife & myself had been in the past for 5 years with another Christian Health Sharing Company which was good at first but then a few years later turned into a disaster. All the people in billing I have worked with Jim was my ultimate favorite for billing details. The reason I picked him is because he was very detailed. He took the time to get the job done from the beginning to the end. If ever there was a recurring problem he was there to resolve this for me with a case number. He always went the extra mile. Jim is a great asset to the company and you can tell by speaking to him on the telephone that he loves his job. I highly recommend him and you will not be disappointed with his customer billing service skills. My hat goes off to him. If I could give Jim 10 stars that is what rating I would give him. Above & beyond.
2 mars 2026
Avis spontané
Réponse de netWell
Thank you so much for your kind words and for taking the time to share your experience with netWell!
We are truly grateful that you and your wife trusted us with your healthcare needs over the years, and it means a great deal to hear that your experience was such a positive one.
We’re especially thrilled to hear your feedback about Jim. He is a valued member of our team, and your recognition of his dedication, attention to detail, and commitment to seeing things through from start to finish reflects exactly the level of service we strive to provide every member. We will be sure to share your comments with him—feedback like this means the world to our team.
Kathy is A+ Representative
This review is for the customer service I have received from Kathy. She has taken the time to answer my questions, get the documents I needed, and guided me through the process of preauthorization. She is always friendly, cheerful, professional, and caring. Her conveyance of genuine care is evidenced by her actions and her interest in customer satisfaction. Kathy is a breath of fresh air!
11 mars 2026
Avis spontané
Réponse de netWell
Thank you so much for your thoughtful review!
We’re delighted to hear about your positive experience with Kathy. She truly embodies the level of care, professionalism, and dedication we strive to provide to every member. Taking the time to guide you through the preauthorization process, answer your questions, and ensure you had everything you needed is exactly the kind of support we aim to deliver.
Your kind words about her friendliness, genuine care, and commitment to member satisfaction mean a great deal. We will be sure to share this feedback with Kathy—recognition like this is incredibly appreciated and well deserved.
Thank you again for being part of the netWell family!
If there was a way to give negative stars
If there was a way to give negative stars I would. Coming from someone who has tried everything over 4+ years to follow their guidelines and make it work I have come to the realization that this is not a Christian company at all and they will use any small technicality to not pay for services. Over the course of 4 years they have not paid for anything, and I mean nothing not even emergency room visit that required being admitted for sergury. This entire orginazion is a scam. DO NOT Use
11 septembre 2025
Avis spontané
Réponse de netWell
We are truly sorry to hear that you feel this way about your experience. We understand how frustrating medical situations can be, especially when expectations do not align with outcomes.
All sharing decisions are made strictly in accordance with our published Guidelines, which are provided to every member prior to enrollment and are always available for review. We do not make determinations based on technicalities, but rather on the eligibility criteria outlined in those Guidelines to ensure consistency and fairness for all members.
Without additional information, we are unable to review your specific situation or offer further clarification. We would genuinely welcome the opportunity to look into your concerns and provide more detailed assistance. Please reach out to our Member Experience team directly so we can better understand what occurred and address any outstanding questions.
We appreciate all feedback and remain committed to serving our members with transparency and integrity.
Stay away from these programs!!!
Do not use them or a program like them. I had a health issue last year and had to see multiple doctors for it. The first step was urgent care. They did a CT scan and identified the issue. The claim was denied because CT scans require prior authorization. The facility has up to 72 hours to submit the prior authorization but as a new user you don't know that until well after 72 hours later. Every time a doctor would submit a bill it would be declined because it was outside of the 90 day window. Most doctor's offices and medical facilities are way behind on their billing so there was no way that was getting done. Hardly any of the doctors or hospitals knew how to bill them either. I would call customer service and it was such a hard time. Thankfully I was able to secure real insurance before I had to have a serious surgery. That paid claims with no issues. Netwell was like $600+/mo. and the real insurance was $1k/mo. without a subsidy. Real insurance through the Exchange was way better than this could ever be.
16 janvier 2026
Avis spontané
Réponse de netWell
Thank you for your review. netWell is a healthcare sharing program, not insurance, and participation is governed by program guidelines that differ from traditional insurance plans.
At the time of cancellation, the member confirmed they were satisfied with the program and acknowledged that billing challenges can occur across healthcare sharing programs generally and are not specific to netWell. The membership was voluntarily canceled in September. This review was submitted several months later without the member reaching out to netWell with any new concerns, questions, or requests for assistance.
We strongly encourage all members to carefully review program guidelines, understand prior authorization and submission timelines, and contact our team before and during care so we can assist proactively and help avoid confusion or delays. Our team is available to support members in navigating provider billing and program requirements, and we remain committed to transparency and clear communication for all participants.
We appreciate the time this individual spent as a netWell member and thank them for their participation. We wish them the best moving forward.
Awful…don’t waste your money or time
Was told that a pre-existing condition would be covered after a one year waiting period and it was not. Called for assistance on some billing issues and was told that was between the facility and myself. Pointless to pay a premium when everything is out of pocket. 3 wasted years with Netwell.
21 novembre 2024
I wish there was something less than…
I wish there was something less than one star. Refuse to pay claims due to records not being sent she. The provider assures me what limited records there are were sent. We aren’t “go to the doctor” type people so records are limited.
1 avril 2025
Avis spontané
Réponse de netWell
Thank you for your feedback, Tommy. I reviewed your membership and at this time we have not received any documentation needed to complete the review. We understand that you may have limited information available, which is completely fine, but without receiving any records we are unable to determine eligibility.
A team member will reach out to you again to see if we can obtain the necessary information so we can move forward with processing the request.
NetWell's accounting is confused!
NetWell's accounting is confused!
I have had several debits against my account over the last couple of months. I have been told that they are trying to rectify a past problem, however I have not been able to get customer service to tell where the issue is. They are asking me to prove to them all of my payments without telling me exactly where they think payments were missed. I gave them bank records going back 1 year, and I am told that they think the problem goes back further than that. This is very frustrating, as they won't give me anything in writing, just verbal comments over the phone about my payments.
I want to point out that your statement regarding not receiving documentation from me is a flat out lie. You state you never got a payment from me in October 2024. Are you including October 1? If you folks are rectifying payments from that far back, why are you debiting me for the current amount?
20 novembre 2024
Réponse de netWell
I sincerely apologize for any confusion or frustration this situation has caused. We do see that you’ve spoken with several representatives who have been trying to help explain the issue.
As of your most recent interaction today (11/7/2025), our records show that we emailed you a spreadsheet detailing all of your transactions — including both successful and failed payments. Based on that report, it appears that:
Several payments between April and June 2024 were unsuccessful, which caused your account to fall behind.
No payment was processed in October 2024, which placed your payments even further behind.
Between May and October 2025, there were additional returned payments that extended the balance due.
We hope the spreadsheet helps clarify where the discrepancies originated. At this time, we have not received any payment records or bank documentation from you that show the specific transactions you’re referencing. If you’d like to resend those, we’ll be happy to review them and compare them against our records to ensure everything aligns correctly.
Thank you for your patience as we work to get this resolved.
STAY AWAY FROM THIS SCAM
I wish there was a way to give negative stars. I was sold this membership based on 'christian values' and that they really take care of their members, but when push comes to shove, Netwell paid their attorneys well to ensure they have every escape clause possible to not pay claims. Directly from their website.....Gal 6:2, NIV – “Carry each other’s burdens, and in this way you will fulfill the law of Christ.” The only burden they carry is horrible reviews from an unethical board that fills their pockets with money and leaves members stuck with giant hassles and millions of dollars worth of medical bills. STAY AWAY FROM THIS SCAM!!!!
8 octobre 2025
Avis spontané
Réponse de netWell
Thank you for your feedback, Benjamin.
I understand that you feel our decision not to share in your recent accident was incorrect. However, we must follow our program guidelines, which state that we cannot share in medical needs that occur while a member is breaking the law. Our goal is to apply these standards consistently and fairly across all members. We wish you the best moving forward.
This company is a SCAM
This company is a SCAM. They wear you down with non payments so you just fianlly pay out of pocket on EVERYTHING ?
Their insurance card says
"THIS IS NOT INSURANCE".... and beleive me , it sure as hell isn't. Run don't walk away from them
25 juillet 2025
Avis spontané
I have been waiting over seven months…
I have been waiting over seven months to get a reimbursement check sent to me and I’ve called in over 10 times to follow up and still nothing has been done. They are nice people, however, the one time I needed to get something reimbursed they are leaving me out to dry. I wouldn’t be able to recommend this to my friends and family due to their poor service.
28 juillet 2025
Avis spontané
Réponse de netWell
Thank you for your feedback, Cameron. I reviewed the information you provided and conducted a detailed review of your membership.
Here’s a summary of what I found:
For the date of service on 01/02/2025, a check was issued on 02/19/2025. Since it was not received, a reissue was requested on 07/08/2025.
The service on 09/11/2024 was shared.
The request for 11/08/2024 in the amount of $280 was denied due to DME (durable medical equipment) guidelines.
The 11/07/2024 request for $300 is currently being reprocessed. Initially, we required 24 months of medical records, but the member informed us on 05/07/2025 that those were not available. Based on that information, we were able to proceed with processing the request.
Please let me know if you have any further questions.
I wish there was a negative star…
I wish there was a negative star option-People be ware, this insurance company is absurd. You are told the network is huge, not true, it took one year for us to get them to pay for an emergency knee surgery. The amount of calls I made was ridiculous. Now that a second unrelated surgery is required (entirely different injury) they have denied the claim, and I'm told an appeal will take 30 days. I cannot wait to be rid of Netwell, and I warn you against them.
15 juillet 2025
Avis spontané
NetWell makes changes without notifying…
NetWell makes changes without notifying clients. Started charging extra for credit card payments without notification. Rejected claims for “no coverage “ when I have coverage. Unable to see EIS until completed, even service reps cannot provide updates. Rx plans change, benefit plans change, …
5 juin 2025
Réponse de netWell
Thank you for your feedback, Wayne. I'm sorry to hear that your experience has not met your expectations.
To address your concerns:
The credit card processing fee was implemented in February, and email communication was sent in advance. Our records confirm that you received this notice. We also informed members that this fee can be avoided by switching to ACH payments.
Regarding your share request, I see that you spoke with a team member who confirmed it was denied in error and is currently being reprocessed.
Your request to view the Explanation of Sharing (EOS) before completion is something we’ve been actively working on with our development team and hope to roll out soon.
As for the changes to the RX vendor, we communicated these updates via newsletters (available in your member portal) and email. This change was made to ensure our members receive the level of care they deserve, which the previous vendor was not providing.
We truly appreciate you taking the time to share your concerns and will continue working to improve our member experience.
Best ever
Amazing staff, always kind and helpful. Willing to go the extra mile to assist.
30 mai 2025
Réponse de netWell
Thank you so much for your feedback! I am so happy to hear that you are having the best experience with netWell.
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