EZWave SolutionsAbout EZWave

An independent benefits agency, built around real users.

EZWave Solutions is an independent benefits agency based in Atlanta, Georgia. We design, roll out, and service modern healthcare programs for employers and individuals — built around how people actually use healthcare, not around what’s easiest for an insurance carrier to administer.

Bain Morgan
Founder
Bain Morgan

EZWave Solutions designs layered healthcare programs that separate preventive care, everyday care, and major event protection — and optimizes each one independently. The result is complete coverage at a fraction of what traditional group plans charge.

Our approach

Three layers. One plan. Optimized independently.

01 · Routine Medical Needs

Day-one care, $0 copay

Routine preventive care covered at $0 from the first day of coverage — annual wellness exams, cancer screenings, immunizations, and preventive medications.

02 · Low-Impact Medical Needs

Fixed Copay Administration

Primary care, specialist visits, urgent care, $0 telemedicine, labs, imaging, and prescriptions accessed at negotiated cash-pay rates — outside the inflated insurance billing system.

03 · Catastrophic Medical Needs

Major Medical Events

Hospitalizations, surgeries, and emergencies handled through ShareWELL — a 501(c)(3) non-profit healthshare — with no annual or lifetime cap on eligible sharing.

Common questions

Not sure how a healthshare works?

Not sure how a healthshare works or how it compares to traditional insurance? Here are the answers to the questions we hear most.

What is a healthshare?
A healthshare is a community where members share one another’s eligible medical expenses — outside the traditional insurance system — at transparent, negotiated costs. EZWave partners with ShareWELL, a 501(c)(3) non-profit healthshare, for major event protection.
How is this different from regular insurance?
Traditional insurance prices your group based on claims history and carrier overhead. EZWave accesses care at cash-pay rates, removes the claims-driven renewal cycle, and layers protection so you only pay for what you actually need.
What does it cost?
Individual and Group rates typically range $360–$445/month. Employer group rates depend on age mix and contribution structure. All figures are illustrative — contact us for a real quote.
Partners & infrastructure

Best-in-class infrastructure. One local advisor.

We partner with MightyWELL Health, ShareWELL, and Tall Tree Administrators to deliver best-in-class infrastructure — with a local advisor who knows your account and answers when you call.

AI Platform

MightyWELL Health

The AI-powered enrollment, education, administration, and member-app layer that makes the plan usable from day one.

501(c)(3) Non-profit

ShareWELL

The non-profit healthshare community that protects members against major events — hospitalizations, surgeries, emergencies — with no annual or lifetime cap.

TPA

Tall Tree Administrators

The third-party administrator behind copays, pharmacy benefits, and network access — including out-of-network reimbursement less the copay.

Next step

Ready to see what EZWave can do for your company?