WHO IS CLEARWATER?

• Clearwater Benefits is a healthcare vendor. They offer a variety of high-quality, very affordable healthcare solutions via traditional insurance plans, health share-based solutions, and supplemental insurance offerings.
• Clearwater was established in 2018 and has years of experience with traditional healthcare and health sharing plans.
• ClearShare, the Clearwater health share, is a nonprofit.
• ClearShare puts healthcare decisions back in your own hands.
• Clearwater is like the Young Living of health care. They want to disrupt the health insurance industry.

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WHAT IS A HEALTH SHARE?

• A Health Share is a community of individuals who contribute collectively to help each other with medical expenses
• Monthly contributions replace traditional health insurance premiums
• Contributions form a shared pool used to help pay for medical costs of members
• Members have a responsibility amount called an Annual Max that must be paid before expense sharing begins
• Health Shares typically share up to 100% of medical expenses after the Annual Max amount is fulfilled.

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HEALTH SHARING

• Non-profit organization.
• Cooperative Arrangement: Community of individuals who agree to pool their resources to cover medical costs.
• Open network of providers.
• “Deductibles”: An Annual Max amount, similar to a deductible, which must be paid before sharing begins.
• Low/no denial rate: Once your Annual Max is met, all medical expenses are shareable.
• Holistic + ClearShare plan’s holistic services provide low cost per visit fees without an Annual Max requirement. The Holistic plan has no Annual Max.
• Puts your healthcare decisions back in your hands and more of your hard-earned money stays in your pocket.
• NOT health insurance.

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TRADITIONAL HEALTH INSURANCE

• For profit.
• Premiums: Regular premiums are paid to an insurance company for coverage.
• Limited to plan providers.
• Deductibles and Copayments: After deductibles are met, insurance often covers a portion of costs split with the insured member.
• High claims denial rate: What’s approved or denied can be based on an insurer’s shifting contracts with drug & device manufacturers rather than optimal patient treatment.
• Regulation: Traditional insurance is subject to regulatory frameworks and oversight.

INTRODUCING YOUNG LIVING HEALTH PLANS

Better care. Better choices. Better cost.

3 Plans to Save you Money:

HOLISTIC + CLEARSHARE

For those who want a blend of holistic & medical/emergency care.

HOLISTIC

• For those with a health plan who want access to holistic services or
• For those 65 and older.

CLEARSHARE

For those who want coverage for medical/emergency care.

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Health care the way you want it.

Here are Charts of the 3 Health Plans with examples of Benefit Coverages

MONTHLY WELLNESS REIMBURSEMENT

ANY Young Living Essential Oils and/or Supplements

$50

INDIVIDUALS

*Must submit YL invoice from Order

History within 30 days to ClearShare

*Must be ordered from the

  Young Living website.

$75

COUPLES OR FAMILIES

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PLAN PRICING & PV

HOLISTIC  +  CLEARSHARE

Who is this plan for?

• Anyone who prefers holistic practitioners/services and wants medical/emergency coverage at a low cost

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PLAN PRICING & PV

HOLISTIC  PLAN 

Who is this plan for?

• Anyone who wants to supplement their standard health insurance
• For people over 65 yrs old

*No annual max with Holistic Plan

*This is NOT health insurance

*No limit on the number of children

*Covers unmarried children up to 26 years old

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PLAN PRICING & PV

CLEARSHARE ONLY

Who is this plan for?

• Anyone who wants medical/emergency coverage at a low cost

*This is NOT health insurance

*No limit on number of children

*Covers unmarried children up to 26 years old

HOW DOES THIS WORK?

Clearwater Administered

• Health Plan Sign-up
• Health Plan Education
• Payment
• Administration
• Portal Access
• Monthly Young Living Product Reimbursement

YL Supported 

• Health Plans on the Young Living Website
• Accrue OGV for Health Plans
• Commissions paid like all PV
• Brand Partners get people excited about the plans and send them to the custom Young Living ClearShare site

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TIMING

SIGN UP FOR HEALTH PLAN

Sign-up must occur the month before coverage starts 

(i.e., sign-up in February coverage begins in March).

HEALTH COVERAGE BEGINS

Young Living Health Plans are billed on the 10th of the month. 

PV is added by the 25th of the month.

YOUNG LIVING COMMISSIONS

Young Living commissions are paid the following month via the normal cycle.

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WHY WE ARE SO EXCITED!

• Health care savings
• Holistic alignment
• Choose your own practitioner
• New income stream
• Increased retention & OGV
• Greater OGV stability
• Practitioner opportunities
• Patients will save money ——> See practitioners more often

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BRAND PARTNER

OGV/ RANK IMPACT EXAMPLE

WHY CHOOSE HOLISTIC + CLEARSHARE PLAN

HOLISTIC + CLEARSHARE MONTHLY PV

HEALTH PLAN MEMBERS

Here is a chart to help Brand Partners see the impact in helping friends and family (and their friends and family, etc.) save money by signing up for Young Living’s Health Share Plan.  Brand Partners as well as Customers can benefit by helping others benefit.

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WHO IS ELIGIBLE

• Young Living Brand Partners and Customers--All U.S. States
• Any new Young Living member
• Anyone over the age of 65 (Holistic plan only) and all unmarried children up to 26 yrs. old
• International Brand Partners can build in the U.S. International plans may be available in the future.
• Year-round monthly open enrollment
  • NOTE:  If you have a spouse account, you can enroll them on the desired plan to earn commission on your family’s health coverage

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HOW TO SIGN UP FOR A YOUNG LIVING

HEALTH PLAN

LOG IN TO YOUR YOUNG LIVING ACCOUNT OR CREATE A YOUNG LIVING ACCOUNT

CLICK ON YOUNG LIVING HEALTH PLAN LANDING PAGE

ENROLL THE MONTH BEFORE YOU WANT COVERAGE TO START (i.e., if you enroll in February your coverage will begin in March)

GIVE YOUR CURRENT PROVIDER CANCELLATION NOTICE--SOME NEED 30 DAYS

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THE NEXT STEPS

• U.S. Announcement
• Maximize Your Month Call on the YLBrandPartner USA FB page: February 1st @ 10 am MT

• Initial sign-up period:
• February for March coverage

• Introductory custom website: 
• launches 2/1 after the Young Living ClearShare webinar

• Learn more - webinars

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WEBINAR DETAILS

Starting Monday, 2/5 - 2/9 there will be 5 LIVE webinars a day:

• Overview of plans
• 8 am PT | 9 am MT | 11 am CT | noon ET
• Register & watch here: https://bit.ly/YL-Plans-Overview

• ClearShare plan only
• 10 am PT | 11 am MT | noon CT | 1 pm ET
• Register & watch here: https://bit.ly/ClearShare

• Holistic plan only
  • The Holistic Plan webinar will be on-demand only.  Please navigate to yl.clearwaterhealth.com/schedule to find the on-demand version of the Holistic Plan webinar that you may watch at any time. We really appreciate your interest in this webinar and hope you find time to watch the on-demand version. We will be happy to answer any followup questions you may have at: salessupport@clearwatersavings.com.

• Holistic + Clearshare
• noon PT | 1 pm MT | 2 pm CT | 3 pm ET
• Register & watch here: https://bit.ly/Holistic-ClearShare

• Live FAQ 
• 1 pm PT | 2 pm MT | 3 pm CT | 4 pm ET
• Register & watch here: https://bit.ly/Health-Plans-FAQ

**There will also be pre-recorded on-demand webinars for each Plan.

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Testimonials

I love knowing our family is protected in case of anything catastrophic but I’m more excited about finally having a health plan that fits our holistic needs for chiropractic care, functional doctors, thermography, IV drips, and acupuncture!

• Ally Raskin

Our family was with a different healthshare program for years. We thankfully rarely ever needed it. But it didn’t cover the holistic services we typically used so we were still paying a lot of money out of pocket. I’m so glad that we have Young Living’s Holistic + ClearShare plan now!

• Shellie Garrett

I’ve been paying $800 a month for a health plan that I rarely use. My deductible is $10,000! I’m going to save SO much money with this Holistic + ClearShare plan. I’ll get to see the holistic practitioners I typically see and won’t have to pay so much out of pocket. I’ll still have the backup of traditional health options if I need them.

• Yvonne Gee

Our family is saving over $20,000 a year! We never used our PPO because we rarely went to a traditional doctor! We love having access to all of the holistic features of the Young Living Holistic + ClearShare plan.

• Carol Yeh-Garner