Altrua HealthShare Plans

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Altrua Healthshare Plans
By Whitney Kline, – Updated 11/18/2022
Reviewed by Lou Spatafore – Fact checked by Misty Berryman

Altrua HealthShare is a health care sharing ministry with thousands of members nationwide.

Altrua HealthShare is NOT an insurance company nor is the membership offered through an insurance company, and our organization is not subject to the regulatory requirements or consumer protections of any state insurance code.

Altrua HealthShare has shared over $100 million in medical costs over 20 years and has a network of over 1 million providers.

Altrua HealthShare Has Four Levels of Medical Services You May Choose

DIAMOND


Diamond is the highest level of membership.

  • 1st MRA: $500 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • $5,000 MRA per pregnancy

  • $5,000 MRA per adoption event

  • Lifetime Limit of $2,000,000 per member

  • No annual maximum

EMERALD


Emerald is the tier above Sapphire.

  • 1st MRA: $1,000 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • $5,000 MRA per pregnancy

  • $5,000 MRA per adoption event

  • Lifetime limit of $1,000,000 per member.

  • No annual maximum

SAPPHIRE


Sapphire is the tier above Ruby.

  • 1st MRA: $1,500 per person per year

  • 2nd MRA: $2,500 to the licensed medical professional/facility (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • Maternity and adoption are not included

  • Lifetime limit of $1,000,000 per member

  • Annual limit of $250,000

RUBY


Ruby membership has the lowest cost and the highest Member Responsibility Amount.

  • 1st member responsibility amounts (MRA): $7,500 per person per year

  • 2nd MRA: 50% of the next $10,000 per member (maximum of $5,000 if the medical professional/facility is non-affiliated)

  • Maternity and adoption are not included

  • Lifetime limit of $1,000,000 per member

  • Annual limit of $150,000

All Altrua HealthShare memberships Include counseling services, telemedicine, and discounts on dental, vision, and hearing. After the 1st and 2nd MRAs are met, 100% of eligible medical needs are eligible for sharing for the remainder of the year.

How To Use Your Altrua HealthShare Membership

  1. When you visit your provider, show your Altrua Membership ID Card from the Altrua HealthShare app you have downloaded.
  2. Your provider will send a copy of your medical needs to Altrua HealthShare.
  3. Altrua will send you and your provider an explanation of sharing, which breaks down the costs and services.
  4. Altrua Members then share in the cost of the eligible medical directly to the provider.

In addition to their medical cost-sharing, Altrua HealthShare Ministries is a 501(c)(3) non-profit charitable organization. Since 2000, Altrua HealthShare has donated money to countless charities, including disaster relief efforts, women and children’s shelters, Ronald McDonald House, food shelters, and Autism Smiles.

Download the Altrua Membership Brochure for more details.

 

Frequently Asked Questions (F.A.Q.) – View Story

Q: Will my doctor accept Altrua HealthShare?

A: Altrua Members present themselves as self-pay patients when they visit a doctor. They can go to any provider or facility, regardless of their network affiliation.

Altrua HealthShare is not available in Florida or Montana.

Q: Does Altrua HealthShare require a health screening?

A: There is no physical health screening required for membership in Altrua HealthShare. However, all members must complete an online application which includes a personal medical history. Submitting inaccurate medical information could lead to a limitation or denial of membership.

Q: Does Altrua HealthShare include maternity?

A: All Altrua HealthShare members can receive sharing for maternity costs after a 90-day waiting period. Sharing benefits increase after 1 and 2 years of membership to a maximum of $25,000.

Q: Do I have to be a Christian to get Altrua?

A: Altrua HealthShare members must sign a Statement of Standards. This includes commitment to good nutrition and a rejection of tobacco and illicit drugs, as well as some biblical-based ideals on marriage, community, and abortion. However, there is no requirement to be an active member of a church.

Q: How do I use a health sharing plan?

A: Simply present your Altrua HealthShare Membership ID to your provider, explaining that you are a member of a recognized Health Care Sharing Ministry. Your provider will send the bill to Altrua Healthshare, who will process payment after the expense is approved.

Ready to Sign Up for an Altrua HealthShare Plan?

If you’d like to sign up for an Altrua Membership, you can sign up online, or you can talk to your Personal Benefits Manager and they can help you with the process.


DISCLAIMER: Altrua HealthShare Ministries (dba Altrua HealthShare HealthShare) is NOT an insurance company nor is the membership offered through an insurance company. Members are self-pay patients. Altrua HealthShare Ministries is a 501(c)(3) nonprofit corporation.

Altrua Healthshare Legal & Disclaimers

Altrua HealthShare Reviews Section

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3.5
Rated 3.5 out of 5
3.5 out of 5 stars (based on 17 reviews)
5 star47%
4 star12%
3 star12%
2 star6%
1 star23%

health share

Rated 1 out of 5
November 10, 2022

Terrible organization. I paid in over 10,000 for the year, got one check for $85 and have to fight for any reimbursements over the phone with their outsourced agents in the Phillipines. Horrible service. Horrible “coverage”. I do NOT recommend to anyone.

Lisa W
Verified

Saving up for a house

Rated 4 out of 5
October 12, 2022

My husband and joined Altrua because it saved us 400 every month compared to our medical plan from before. We don’t get an obamacare subsidy, so we couldn’t afford the exchange. Our new plan works well for us, especially with a direct primary care plan. Now we can save more for a house!

Erica B
Verified

Be careful

Rated 1 out of 5
September 16, 2022

Since this is not insurance but a cost sharing program, they are MANY pre-existing medical care exclusions! CAUTION. Within an hour of my purchase, I felt really uncomfortable about my plan and called back to cancel. (10 day cancel policy) They make it really hard to cancel and were down-right rude to me. They would not allow me to speak with a supervisor. NOT very Christian, as they claim to be!

Susan S
Verified

Not a fan of Altrua

Rated 1 out of 5
August 29, 2022

Altrua sucks! I had to go to the ER. I got discharged that night. Didn’t think anything of it. I got a bill in the mail a couple of weeks later. I sent it in to Altrua for healthsharing, and they rejected it on a technicality because I didn’t contact them within 96 hours.

I dropped them and went with someone else.

Ron S
Verified

I tried it four 30 days

Rated 5 out of 5
July 14, 2022

They let me try the plan out for a month before committing. They seemed like nice enough folks so I went ahead and signed up after that. I don’t get sick very often, so I hate paying for health insurance I don’t need. This is a cheap way for me to avoid an insurance plan.

Dillon D.
Verified

Have Altrua for my husband and me

Rated 3 out of 5
June 3, 2022

My husband and I signed up last year. They’ve been okay so far. We’re in one of the upper-level plans and we’re only paying a few hundred bucks a month. It’s way better than our old insurance plan. But we had to set aside some money to cover our Member Amount, which is what we have to pay before the plan kicks in.

Trinity A.
Verified

I didn’t really think about the lifetime sharing limits

Rated 2 out of 5
May 16, 2022

My Altrua program has a $1,000,000 sharing limit. I thought that was a lot when I signed up, but now, I’m not so sure. Hospitals are charging a lot these days and I’m worried how much it will cost if I get into a car accident or something. I don’t know. Other than that, I guess they are okay. I only have to pay about $200 per month.

Isaiah A.
Verified

Changing my review from four stars to 5

Rated 5 out of 5
April 18, 2022

Updating my review because the issue was totally resolved. Turns out my plan comes with more free doctor visits that I thought! I don’t have to worry about one of us getting sick anymore. There’s just a small fee when one of us needs to see the doctor, and we don’t have to cover our full out of pocket amount.

Kevin G.
Verified

if you need help dont call us we are a faith based healthshare pray for guidance

Rated 1 out of 5
April 8, 2022

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.

Frederick Z.
Verified

Two words: Unlimited telemedicine

Rated 5 out of 5
February 17, 2022

When the pandemic hit almost my entire family stopped going to the doctor. Altrua gives us free telehealth, which makes it easy to consult with a professional without having to drive anywhere. I’m in the cheapest plan they have, and I still get telemedicine included.

Mario L.
Verified

Loving the Diamond-level membership

Rated 5 out of 5
January 11, 2022

After a few years with Altrua I decided to upgrade to the Diamond membership. It’s the only health sharing plan that I know of that has maternity and adoption benefits. It’s more expensive than what I used to be in but I know that it’s worth it.

Allison N.
Verified

Unlimited telemedicine has been great!

Rated 5 out of 5
January 7, 2022

Unlimited telemedicine has been a God-send during the pandemic. They’re probably getting tired of me calling all the time, but I’m able to chat with a real professional about my concerns without having to drive anywhere. And they never charge me for it.

William T
Verified

Altrua has lots of sharing options

Rated 5 out of 5
November 29, 2021

The Diamond and Emerald plans are pretty impressive, especially for a health sharing program. They’re some of the only plans that have sharing options for maternity, adoption, and even funeral needs. The Diamond plan is definitely more expensive than the others, but it’s still keeping my family well-protected for a lot less than those ACA plans.

Jen B
Verified

Good option for new parents

Rated 4 out of 5
September 21, 2021

I’m pretty happy with our Altrua plan. We had tried health sharing once before, but once we decided to have a kid, we knew we’d need a program with better benefits. Our Sedera Diamond program has coverage for both pregnancy and adoption, with an MRA (kind of like a deductible) that we could afford. With my husband and I we’re only paying about $400 per month, which is way better than our old insurance plan.

Shelly M.
Verified

Altrua is a decent option

Rated 3 out of 5
September 20, 2021

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.

Jimmy C.
Verified

We like the Altrua office visit pooling

Rated 5 out of 5
September 1, 2021

I originally gave Altrua a 4/5 because my daughter got sick as we were about to run out of sharing for office visits. Then they told me that our family program means that all of our office visits are pooled. Since the rest us haven’t had to see the doctor this year, my daughter can use those visits instead, and all we have to pay is the $45 MRA.

Sarah H.
Verified

Good customer service

Rated 5 out of 5
August 12, 2021

One of the only reasons I ended up with Altrua is because of the 30-day trial. I just wanted to see how everything worked, and how good the customer service was. I didn’t have any medical expenses during that time, but it was clear that these were the people that I wanted handling my healthcare.

Elaine M.
Verified
 

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