One plan. Three layers, optimized independently.
Traditional insurance tries to do everything through a single carrier contract — and prices accordingly. EZWave separates the three things healthcare actually needs to do, and optimizes each one independently — so you get complete coverage at a fraction of the cost.
$0 preventive care, day one
Routine preventive care delivered through Tall Tree from the first day of coverage — annual wellness exams, cancer screenings, immunizations, and preventive medications, covered at $0.
- Annual wellness exams$0
- Mammograms · cancer screening$0
- Colonoscopy · preventive testing$0
- Immunizations · vaccines$0
- Well-child · well-woman visits$0
- Preventive medications$0
- Blood pressure · cholesterol$0
Fixed copays. Networks + pharmacy.
Tall Tree Administrators handles fixed copays, pharmacy benefits, and network access — so the price is the same number every time, before you walk in the door.
- Teledoc$0
- Primary care$20
- Urgent care$50
- Specialist$50
- Imaging$50
- Pharmacy benefitsIncluded
- In-network accessIncluded
Catastrophic protection, no cap
ShareWELL — a 501(c)(3) non-profit healthshare community — protects members against catastrophic events. Above your Unshared Amount, eligible expenses are shared with no annual or lifetime cap.
- HospitalizationsShared
- SurgeryShared
- ER visitsShared
- MaternityShared
- Serious illnessShared
Optimized for what each layer actually needs to do.
Preventive care, $0
Layer 1 covers routine preventive care at $0 from day one — annual wellness exams, cancer screenings, immunizations, and preventive medications — with no waiting period.
Everyday care, fixed copay
Layer 2 handles everyday care through fixed copays (Copay Silver) or pre-tax HSA spending (HSA Plan) — primary care, specialist visits, urgent care, $0 telemedicine, labs, imaging, and prescriptions at transparent cash-pay rates.
Major events, no cap
Layer 3 protects against catastrophic events through ShareWELL — a 501(c)(3) non-profit healthshare community. Hospitalizations, surgeries, and emergency care are shared above your Unshared Amount, with no annual or lifetime cap.