A. No. Whealthcare does not provide insurance. It is a consumer advocacy program that utilizes the same rates insurance companies pay for healthcare within the same networks of providers. You supply the payments at the negotiated rates at the time of service.

However, should you want to open a health savings account that requires a high deductible ("catastrophic") insurance, or desire traditional insurance, SAAGII can arrange that for you (distinct from its Whealthcare plan) from a large insurer with the most competitive rates and provider network, at the same price as a direct purchase.

A. Not at all. SAAGII’s Whealthcare is an instant pay administrator for cash paying customers. We hold a third party administrator (TPA) license in the state of California and instantly auto-adjudicate claims through our web-enabled software at the time of service, based on specific agreements with doctors and other healthcare service providers in our network.

A. Some key differences are shown in the table below:

A. Simple. There are no premiums to pay and members pay reduced rates directly to SAAGII’s network of providers. SAAGII has contracted with these providers and partners with a commercial bank to enable SAAGII’s Whealthcare plan members to:

1) Open a unique healthcare account in which you determine and control your healthcare contribution, and/or

2) Apply for a line of credit. For example, you may wish to contribute $500-1000 annually which may be more than enough for the average healthy single person.

The average expense per insured American is $6,000 a year on healthcare premiums, and 75% of this population uses less than $500 on actual healthcare services. Traditional insurance provides for no rollover benefit from the unspent balance. With Whealthcare, you enjoy the same pre-negotiated rates as are available to large insurers, but pay for only the services that you receive. For the average healthy person or family this amounts to huge savings and yet gives you flexibility in meeting your healthcare needs. Even with relatively heavy healthcare usage, your savings are substantial. See Table C. Any unspent balances in your Whealthcare account roll over into the next year.

If you decide to extend current healthcare services or add dental, vision, etc. beyond your initial contribution, you can contribute additional funds to the account. This gives you the freedom to control, design, and modify your healthcare plan at any time.

A. SAAGII’s Whealthcare has a low and simple schedule of member fees that can be seen in Table D.

Please note that some or all of your healthcare contributions may be tax deductible so be sure to retain all receipts for your tax records.

A. There are three easy ways to enroll and quickly begin saving on your healthcare dollars.

Online: You can click on the "Enroll Now" button shown on any of SAAGII’s web pages and enroll completely online. For making payment by check, see the mail option below.

Call us: You can call us at 1-877-472-2444 and we’ll assist you with the enrollment process, with some steps common to the mail option below.

By Mail: You can download the required forms from our website, complete them, and mail them to us. The steps involved are,

1. Complete the application form.

2. Enclose a check payable to SAAGII that includes your fees and initial deposit that equals or exceeds the minimum balance required in your account:

3. Mail the application form with your check to:

Once we have all of the requested enrollment information, please allow about two weeks for the actual processing of your enrollment request and mailing of your new SAAGII Whealthcare debit card.

A. Anyone who wants to save money on healthcare and still get the high quality healthcare they need whether or not they are currently covered by another healthcare plan. If your employer does not offer healthcare coverage and you have always thought paying for healthcare coverage yourself was out of the scope financially for you, SAAGII may be just what you’ve been looking for. With SAAGII’s Whealthcare, YOU have complete control as to "what" you/your family will need (primary care, dental, vision, or any combination of these and more) and you can decide how much of a financial contribution you make to your healthcare account. The self-employed can also take advantage of Whealthcare’s benefits. In general, the healthier you are overall, the more savings you will see with SAAGII’s Whealthcare.

A. Yes. The rates for these are also pre-negotiated with the providers, and you pay for these yourself (out of your Whealthcare account). SAAGII strongly encourages everyone to get their usual check-ups and tests done at the recommended frequency, since the prevention of an illness or condition and catching it in its early stages is still the best way for us all to stay healthy, and in the long run, at the least cost.

A. Any time. Just click on the "Enroll Now" option here, or on the button on any of our web pages, or see the instructions above.

A. Please allow two weeks for your information to be processed and your new WhealthCare card to be issued.

A. Yes. You can add additional family members at any time.

A. Although non-family cannot be added to your plan, your friends and/or guests can apply for the SAAGII Whealthcare membership on their own and do not have to be a part of you personal membership. Family members or friends coming to the U.S. on a visit from another country can apply for SAAGII membership, too.

A. Catastrophic coverage is essentially a very high deductible insurance plan. It protects your assets in the event you are severely injured or ill, and incur large hospital or other medical costs. One form of catastrophic coverage is the High Deductible Health Plan (HDHP). Apart from protecting you from high financial risk, this coverage is also required if you want to open a Health Savings Account (HSA), which carries tax benefits.

Whealthcare does NOT offer catastrophic coverage. But under separate plans, SAAGII’s licensed health insurance brokers on staff will obtain catastrophic coverage or traditional health insurance through a large health insurer for desiring customers, at the direct purchase rate.

A. SAAGII’s Whealthcare debit card makes it easy for you and your doctor to handle the payment portion of your visit effortlessly. `When you arrive for your appointment, you will show your Whealthcare debit card to the office staff. They will verify online if your membership is in status and the minimum balance requirement in your account for that type of service is met. They cannot see the actual balance in your account.

At the end of the visit the Current Procedure Terminology (CPT) code for the service you received will be entered online. An invoice based on negotiated rates will be instantly generated by SAAGII’s web enabled software and handed to you. You will pay with your Whealthcare debit card before leaving the office, and that finalizes the case.

A. Yes. SAAGII has arranged with our commercial bank partner (a financial institution) to accept applications for a line of credit which, when approved, can be used to pay for healthcare services and SAAGII’s registration and administration fees.

A. Currently SAAGII’s Whealthcare has 29,000 participating healthcare providers (medical, pharmaceutical, dental, and vision) in California alone, with expansion underway in other states. Our participating providers include: Pacific Health Alliance; Physician’s Medical Group; Health Line Clinical Laboratories, Inc.; Pacific Imaging; and Valley Radiologists Medical Group, Inc. Through Rx America, Whealthcare also has 55,000 participating pharmacies nationwide that accept the Whealthcare debit card, with cost savings for all your pharmacy needs.

Click here to find a provider near you, or call 1-877-472-2444.

A. If you should decide not to take advantage of SAAGII’s Whealthcare savings at some point, you can terminate your enrollment by simply letting us know, via an email message or a phone call. We will then cancel your membership. Remember, any funds you contributed to the healthcare portion of your account are yours and can be withdrawn at any time.

A. The Whealthcare card is supposed to be used only for medical purchases. Some technology checks are built in to the card to discourage non-medical use.

A. Yes. SAAGII has arranged with its commercial bank partner to accept applications for a line or credit which, when approved, can be used to pay for healthcare services and SAAGII’s registration and administration fees.

A. Yes. You can access information regarding your contribution amount and total balance of that contribution amount online or by phone using the account number and security code, just as you would check any ordinary bank account.

A. Yes. At anytime, you can choose to add any amount to the account.

A. Yes. SAAGII’s privacy policies and procedures regarding the use and disclosure of protected health information are in compliance with the HIPAA privacy rules.

A. Because you have the power to design and control your contribution amount, that initial deposit amount can vary.

Your monthly membership fees are described above or in Table D.

Table E shows the minimum balance needed to qualifying for services by providers in the network.

Please note that your first month’s amount due will be a bit higher because it will include the one-time registration fee. For your convenience, your monthly fee can be automatically paid out of your Whealthcare bank account.

The simple procedure for enrollment is described above. Remember, SAAGII’s Customer Service department is available 24 hours per day, 7 days per week.