Healthcare without insurance, finally affordable.
$40/year. We're the expert on your side when you self-pay for healthcare — we curate your providers, find your prices, lower your Rx spend, and defend your bills.
Built for people looking for more value and freedom.
Self-employed, freelancing, between jobs, or done paying for an ACA plan that costs more than it's worth — you deserve a smart advocate when you're paying out of pocket.
Freelancers, founders, gig workers.
You don't have employer coverage. Marketplace plans got expensive. You'd rather pay out of pocket if you can do it smartly. We make that smart.
ACA plans cost more than they're worth.
Premiums got too high. The math stopped working. We help you handle every healthcare moment for $40 a year — and we'll tell you honestly if a plan ever becomes worth it again.
The 90-day gap.
COBRA at $1,200 a month isn't happening. Your new employer plan starts in 60 days. We bridge it — refills, urgent visits, anything that can't wait.
On your own, paying cash is a maze.
There's no one looking out for you when you don't have insurance. The system isn't built for self-pay. But you can save a lot, if you do the work — or if Wellward does it for you. Here's what we help protect you from:
Prices swing 10x for the same service.
The same MRI runs $400 at one center and $4,000 at another a few miles away. The same prescription costs $12 at one pharmacy and $180 at another. You'd never know — there's no public price list.
10× varianceCash-pay info isn't anywhere.
No website, app, or directory tells you fair prices for your zip code. To find one MRI quote you call four imaging centers, hold for 20 minutes each, and still get evasive answers. It takes hours per question.
Hours per quoteSurprise bills with no clarity upfront.
Most providers won't quote a price before you go. The bill arrives weeks later — and it's the first time you know what you owe. We secure pricing in writing with high-quality providers before your visit, so there's no guessing.
Pricing in writingPeople skip care they need.
Not knowing what something will cost is the friction that keeps people from getting checkups, refills, mammograms, and care for symptoms. Skipping care is the most expensive outcome of all — for your wallet and your health.
The biggest costThree things you get for $40 a year.
We save you money.
We find the lowest-cost, high-quality option for everything you need. Cash-pay variance is enormous — most members save many multiples of the $40 fee, often within their first month.
We save you the work.
You don't make the calls, fill out the forms, or hold the line. Our agents and human navigators handle every healthcare task — finding providers, booking appointments, switching pharmacies, fighting bills.
We help you stay healthy.
You stop skipping care. Knowing what every visit will cost — before you go — eliminates the friction that keeps people from getting the care they need. Better outcomes, lower lifetime cost.
How it works.
Up and running in under 5 minutes. Full lineup ready within 72 hours, faster if you have a need that can't wait.
Tell us about you.
A 5-minute intake captures your meds, where you live, anything coming up, and how you like to be reached. That's it.
We build your lineup.
Our agents and human navigators curate your healthcare home base: primary care, urgent care, dental, vision, pharmacy, imaging, labs, specialists, and the right hospital — with cash prices for each.
We're on your team, always.
Anything new — text us. We find providers, book appointments, switch your prescriptions to the cheapest pharmacy, and fight any bill that's wrong.
Cash-pay alone vs. Wellward Direct.
If you're paying out of pocket, you're already at a disadvantage. We level the playing field.
With Wellward Direct ($40/year)
- Curated providers at fair cash prices
- Text us — we find and book providers
- Procedure prices locked in writing
- Pharmacy switching at every refill
- Bill defense for unfair charges
- $22 virtual urgent care, members only
- Annual check on whether insurance is worth it
Going it alone
- Hours of calls to compare prices
- No way to know what's a fair rate
- Surprise bills with no advocate
- Pharmacy savings only if you check
- Virtual urgent care: $75–$150/visit
- No one to ask: should I get insurance?
Get a healthcare expert on your side. $40 a year.
Most members save it back in their first month. If we don't save you money, we'll refund your membership.
$40/year, billed annually. HIPAA-compliant. Members are individuals; family plans launching soon.
Frequently asked.
Is Wellward Direct insurance?
No. We're a healthcare concierge — your expert advocate when you're paying cash. We are licensed insurance brokers, so if a plan would actually help you, we'll tell you and help you enroll.
What if I have an emergency?
If you have an emergency, call 911. After the fact, forward us any bills — we help with negotiation and charity-care applications, which can substantially reduce or eliminate emergency charges for many uninsured patients.
How fast do I get my lineup?
Within 72 hours of intake. If you flag a near-term care need, we'll prioritize that one and get options to you sooner.
What about my privacy?
Wellward Direct is HIPAA-compliant from day one. Your data is encrypted at rest and in transit. Access is strictly role-based — only the navigator assigned to you can see your information, and every access is logged. We have Business Associate Agreements with every vendor who touches your data, including the AI provider that powers our agents. We never sell your data to anyone, ever. You can request a full deletion at any time, and our team is HIPAA-trained on workforce security.
Where are you available?
Wellward Direct is available in most places in the US. If we're not yet available in your area, we'll tell you at sign-up and let you know as soon as we are.