WiredBenefit's flexible prepaid card platform enables community healthcare organizations and non-profits to offer collaborative Three Share Programs to expand healthcare coverage to uninsured and under-insured patients. This new cooperative approach to offering healthcare is rapidly emerging as an effective way to achieve better healthcare coverage. There are currently close to 1000 programs of this type operational across the U.S.

Three Share Programs, sometimes called Multishare or Three-Share programs, usually involve local provider networks, employers, and/or local government agencies. They can also include local tax authorities, public hospitals or other non-profit community organizations. The goal of these programs is to have the parties share the costs of healthcare and in that way improve overall coverage. In some cases providers may also participate by agreeing to accept lower payments in order to reduce the amount of uncompensated care they deliver.

The WiredBenefits Platform is flexible enough to allow multiple parties to contribute funds to prepaid healthcare cards, and the funds can be used by individuals or families to easily pay for their healthcare costs wherever the cards are accepted. Participating Sponsors can set rules around their payments' coordination with the cardholders' usage. The platform is easy-to-use and web-based so that sponsors and patients can securely log on to manage their own accounts, check balances, review previous transactions, change addresses, review benefits, etc. This self-service approach reduces the servicing burden on sponsoring organizations. Employers and other healthcare organizations can easily set up and administer these programs online in accordance with their objectives.