netWell Reviews 97

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!

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.

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.

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!

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.

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!

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

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.

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!

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

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.

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.

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.

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?

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!!!!

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

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.

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.

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, …

Amazing staff, always kind and helpful. Willing to go the extra mile to assist.