Altrua HealthShare

Altrua HealthShare is an incredible example of how the health sharing industry is transforming healthcare—affordable, community-based, and built on shared values instead of profit.

Altrua is a great Healthshare group!

Altrua HealthShare seemed like an affordable alternative to traditional insurance when I first joined. The monthly share amount was much lower than the premiums I was used to paying. However, I quickly realized that many routine and preventive services are not covered, which meant I had to pay for these out of pocket. The initial cost savings don’t feel as significant when you’re frequently covering medical expenses on your own.

The affordability of Altrua HealthShare has been a huge benefit for me. My monthly share amount is significantly lower than what I was paying for traditional health insurance, and I’ve saved thousands over the past couple of years. It’s especially great for someone like me who doesn’t have many medical needs but still wants coverage for unexpected expenses. The overall savings have been fantastic, and I haven’t missed the high premiums of traditional insurance at all.

The sign-up process with Altrua HealthShare was relatively straightforward. The representatives were helpful, and it didn’t take long to complete my enrollment. However, I didn’t fully understand the extent of what wasn’t covered until I had my first medical expense. I think they could do a better job explaining the limitations upfront so that members aren’t caught off guard later.

I’ve been a member of Altrua HealthShare for almost two years now, and I couldn’t be more satisfied with my decision to join. The sign-up process was straightforward, and the customer service team was very helpful in explaining how the healthshare works. They were transparent about the guidelines and made sure I understood what was covered before I signed up. The process was quick, and I felt confident in my choice from the start.

I’ve been a member of Altrua HealthShare for about a year, and the enrollment process was very easy. The representatives were friendly and explained how the program worked, including what was covered and what wasn’t. I appreciated that they were upfront about the limitations, so I felt informed before I joined. I didn’t have any trouble signing up, and the whole process was quick and painless.

I don’t understand why people are rating this company based on the ease of sign up- OF COURSE that will be a great experience; they want your money!!! Might want to wait until you ACTUALLY need to use it before doing so…

If I could give them ZERO stars, I would. Be prepared to not have A CLUE in how much they will ‘share’, if anything, towards medical claims. They also do not have EDUCATED staff to review medical records before making determinations as to what qualifies or breaks their ‘rules’. I was involved in a NO-FAULT accident, shattered my pelvis on both sides, had to be transported to the hospital via ambulance and spent 4 days there. The medical bills were HUGE. They first tried to get me to work with the hospital and get financial relief (I was out of work for the 1st and only time in my life due to Covid and business basically shutting down) so they could get out of sharing anything- The hospital didn’t buy that and said Altrua had to FIRST contribute and whatever was remaining they would work with me on. Fast-forward and they then DENIED ALL CLAIMS, stating ‘excessive alcohol’ use. When you sign up for this membership, and in order to remain eligible for sharing you have to live a healthy lifestyle- No smoking, no excessive alcohol… The medical records team read my blood test wrong!!! 24ml equates to a .02 BAC. It even said on the test result ‘null / none found’. But they conveniently ignored that, either played stupid or truly weren’t smart enough to convert it and *decided* that my BAC was .24. After hours and hours of phone calls, 4 appeal letters explaining this…. They FINALLY started sharing. But they screwed me ROYALLY- Because bills went unpaid and to collections, my credit score went from over 800 down to under 700. Fast forward over 2 YEARS later and I’m STILL working to get the last item paid and removed from the credit reporting agencies. This last one they submitted as a ‘Workman’s Comp’ claim so they could get a lower negotiated rate (they are responsible for 100% of this bill) and it was rejected because it was obviously filed under false pretenses. Even when this last item is paid and removed from my credit score, it will take YEARS before it goes back up to where it was.

Literally, a nightmare. I’d just assume not have insurance / healthshare coverage at all. Over 2 YEARS of dealing with just this, the financial impact, stress… NO THANK YOU. I dumped them and am now with Oneshare Health and have never been happier.

Our last healthshare company went out of business last year so we had to find a new one. Only went with Altrua because of a recommendation from another business owner. We’re pretty happy with them so far. The plans are bit more expensive but not by much. We dealt with our first cost sharing requests this week and everything went smoothly.

Have had altrua diamond for a few years felt safe that i had a policy. until I called for help to find a podiatry. I looked up their list 2 pages none of the doctor offices have heard of them.So I called altrua for help in locating a doctor that they might help me pay for. they told me to have doctors submit a form to them. These people will not help me . I am in pain and without help with my foot i can no longer help my disabled wife push her wheelchair. also the damond level seems to be worthless. maybe i did not pray enough for help from this company. But pay i do they love the money i spend.

Altrua has a lifetime sharing limit of $1,000,000. That might seem like a lot, but with what hospitals are charging these days, who knows. Anyway, the Ruby-level program is one of the most affordable healthshare options on the market. It’s only about $100 a month, so that makes it worth it for me in the end.