Why Choose Clearwater Benefits?

July 16 2023
healthcare coverage for self employed


Long gone are your grandfather’s days of cradle-to-grave employment, working for one company for 45 years before retiring with your pension and gold watch. 

Today’s workforce is more independent. Entrepreneurial. We forge our own way by starting companies, contracting clients, and picking up gig work and other types of self-employment.

Though we’ve traded in the promise of the gold watch for the freedom of flexibility, the healthcare industry has been left behind — until now.

Clearwater Benefits offers affordable, high-quality healthcare that isn’t tied to a traditional employer.

What makes Clearwater so special?  We provide revolutionary benefits for the workplace revolution. And we’re made for independent workers like you. Here are just some of the reasons that independent workers choose Clearwater Benefits for their healthcare coverage for self-employed and supplemental insurance.



A happy customer choosing Clearwater Benefits.
Clearwater Benefits provides revolutionary benefits for the workplace revolution.



Our Unique Care Coordination Service



Save time AND get your care for free



One of the biggest problems in the healthcare industry is that some providers will charge extraordinary amounts for healthcare, while others charge fair prices. No two healthcare providers are the same. And without a lot of time and access, it’s impossible for most people to know which provider will charge you a fair price. 

That’s where our Care Coordination service comes in. This unique feature of Clearwater Benefits is a dedicated, white-glove team that does the work for you. We find high-quality, fair priced providers for the treatments and services that you need. 

And if you choose the provider we recommend, you can get your care for free.

So if you need an X-ray or a blood test, a minor procedure or major surgery, Care Coordination will search our networks to find affordable, trustworthy options, and Clearwater will waive your fees.

Just like that.

Care Coordination is part of our mission to find you the best providers for your care needs, save you time and money, and help you thrive and focus on your health. Not healthcare bureaucracy. 



The Right Plan at the Best Price



Independent work means freedom and flexibility. Shouldn’t that apply to your healthcare coverage too? 

With Clearwater, you’re not stuck to one plan like you might be with a traditional employer. You can choose from many types of plans. We’ll help you decide which one fits your unique needs the best. And we’ll even let you know if your best option isn’t with us. 

In general, we offer three types of coverage:

  • Major Medical Insurance – Traditional insurance plans with innovative costs savings advantages, including low copays, low out-of-pocket expenses, and $0 deductibles on the majority of plans
  • Healthshare Membership – A type of membership-based medical cost sharing plan, in which members pay into a communal fund that can be used to share in each others medical costs 
  • Supplemental Insurance Options – Vision care, dental, critical illness and accident coverage

That’s a key aspect of the Clearwater difference: We pride ourselves on guiding people to choosing the healthcare plan that makes the most sense for their needs.



Enroll on Your Time



Show of hands if you actually like having to wait until November for Open Enrollment to begin? 

We didn’t think so. 

One of the more frustrating aspects of the traditional healthcare experience is having to wait until November to be able to make any changes to your care plans, and then having to scramble under a tight deadline to make critical decisions about healthcare for your family. All during the busiest, most distracting time of the year.

It can be stressful, to say the least. 

But with Clearwater, here’s some great news. You don’t have to wait for Open Enrollment before being able to sign up! With ClearShare, you can enroll at any time. 

When you enroll in ClearShare, you can elect to have your coverage start as soon as the first day of the following month. With Major Medical, there’s a 60-day waiting period before your care plan kicks in.



Convenient Access to Care. Anytime, Anywhere



Clearwater is proud to offer the practicality and convenience that you need. We know how independent workers are often on-the-go. Below are just some of the benefits that make life easier for our members:

Plans we offer include the following.



A convenient health wallet app



Your one-stop-shop for information about your plan. Here you’ll find your digital ID cards, prescription info, tips on finding in-network, nearby healthcare, and ways to text questions to health experts. Just download it to your phone and you’re good to go. 



Unlimited 24/7 telemedicine



Thanks to our partnership with Lyric, our members have access to a range of doctors whenever (or wherever) they need it. It’s safe, convenient and easy to sign up for through the Health Wallet app.



Mental health support



Keep your mind healthy with unlimited messaging therapy, and live video sessions for therapy and psychiatry. With our partner, TalkSpace, get support day and night.



Large nationwide PPO networks



Enjoy access to nationwide networks with hundreds of thousands of providers.



One-on-one consultations with experts



Not sure which plan to choose? You can connect over a video call with an expert who can help you sign up.



Get Unbelievably Great Support



Plans are available in all 50 states, and enrollment is a simple, three-step process:

  1. Go online to a get a customized quote
  2. Book a call to learn more about your options;
  3. Complete your enrollment online. 

Whether you’re choosing a plan or considering surgery, navigating your Health Wallet app or wondering about supplemental plans, our team is ready and waiting to help. 

If you have a question or comment about any part of your plan, give us a call and we’ll help out.


At Clearwater, we know how busy you are as an independent worker. We value and respect your time. If you’re interested in enrolling in a plan through Clearwater, book a call with one of our team of experts who will get you on your way to great healthcare that works for you.

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