Altrua HealthShare
Read reviews, FAQs and get instant quotes on all Altrua Healthshare plans.
By Leslie Jablonski – Updated Sept 18, 2024
Reviewed by Wiley Long – Fact checked by Christine Corsini
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All You Need To Know About Altrua HealthShare
Join Altrua HealthShare for a compassionate, flexible, and cost-effective alternative to traditional health insurance.
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 the 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 25 years and has a network of over 1 million providers.
Community Support:
Share medical expenses with a network of like-minded individuals, fostering a sense of community and mutual aid.
Preventive Care Focus:
Emphasis on wellness and preventive care to help maintain a healthy lifestyle.
Transparency:
Clear guidelines and processes for sharing and covering medical expenses.
Cost Savings:
Often more affordable than traditional health insurance, with lower monthly contributions and out-of-pocket costs.
Alternative to Traditional Insurance:
Ideal for those seeking an alternative to conventional health insurance plans, with a focus on community values and shared responsibility.
Flexibility in Providers:
Freedom to choose your own healthcare providers without restrictive networks.
No Open Enrollment Periods:
Join at any time without the limitations of specific enrollment periods.
Compassionate Care:
Benefit from a faith-based approach that prioritizes compassion and stewardship.
How To Use Your Altrua HealthShare Membership
- When you visit your provider, show your Altrua Membership ID Card from the Altrua HealthShare app you have downloaded.
- Your provider will send a copy of your medical needs to Altrua HealthShare.
- Altrua will send you and your provider an explanation of sharing, which breaks down the costs and services.
- 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.
Get a Quote & Enroll in Altrua HealthShare Today
Join the hundreds of thousands of Altrua HealthShare plan members that have discovered Altrua HealthShare works for their family’s healthcare needs.
- To get a quote, Select Your State and click the Instant Quote button.
- To apply online, after you get a quote, click on the Enroll Now button.
- Fill out the application form with accurate personal and health information.
- Carefully read through the membership guidelines to ensure you meet all the eligibility criteria and understand the expectations.
- Provide any required supporting documents, such as proof of income, lifestyle commitments, or medical history.
- Select the plan that best fits your healthcare needs and budget.
- Confirm the monthly contribution amount and initial fees.
- Submit your completed application and supporting documents online.
- Pay the initial membership fees required at the time of submission.
- Wait for the Altrua HealthShare team to review your application.
- They may contact you for additional information or clarification if needed.
- Once approved, you will receive a membership confirmation along with your membership ID and plan details.
- Review the welcome packet for important information about how to use your membership.
- Start making your monthly contributions.
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.
Altrua HealthShare Pros & Cons
Thinking of switching to Altrua HealthShare? Here are pros and cons to be aware of.
Altrua Pros
- Members support each other by sharing medical expenses, fostering a sense of community and mutual care.
- It is cost-effective as there are lower monthly contributions and out-of-pocket costs compared to traditional health insurance.
- The Altrua Ruby plan is one of the least expensive healthshare plans available.
- You are free to choose your own healthcare providers, not restricted to specific networks.
- You can join at any time without the constraints of open enrollment periods.
- No medical need has ever gone unshared by the membership since Altrua Healthshare began.
- Altrua Ruby is one of the lowest cost healthshare plans available.
- Alternative medicine and chiropractic charges may be eligible for sharing after 12 months of membership.
Potential Cons
- Altrua will not accept smokers, and members must agree to certain religious principles about illicit drugs, abortion, and sexual relations outside of marriage.
- Plan includes a a 12-month cancer waiting period for Sapphire and Ruby members.Sharing for certain procedure, including opthalmic surgical procedures, outpatient surgery, and ultrasound scans have a 90-day waiting period.
- Coverage for pre-existing conditions may be limited or subject to waiting periods.
- Health sharing plans do not comply with the Affordable Care Act (ACA) mandates, which may be a consideration for some individuals.
- The least expensive but popular plan – the Ruby level – has an annual limit of only $150,000.
Enhance Your Altrua HealthShare Experience with HSA MEC
Elevate your Altrua HealthShare membership with the strategic addition of HSA MEC, exclusively from HSA for America.
This HSA-qualified, preventive-only plan is the perfect complement to your Altrua membership, designed to amplify your healthcare savings through substantial tax benefits.
Why HSA MEC with Altrua?
- Tax Relief: Maximize your deductions and enjoy tax-free growth on your savings.
- Investment Potential: Unlock superior tax-favored investing with HSAs.
- Worldwide Flexibility: Access your funds tax-free for medical care, globally.
Leverage the synergy between Altrua and HSA MEC for complete healthcare savings.
View Altrua Plans & Pricing in Your Area
or compare Altrua to other healthshare options available at HSA for America
Altrua HealthShare Frequently Asked Questions
We’ve helped over 16 thousand people find health insurance or a health sharing plan.
Each customer gets the same amazing service.
Mel Fonseca (Personal Benefits Manager) is outstanding with communicating, and getting back to me if I need help — which I have needed. Much of it was re-explaining things to me. I really feel that he is trustworthy. He’s kind and thoughtful and is really excited about the product/s he’s representing. Altogether he’s delightful to work with.
Elizabeth Wiersma
CA
My feedback for working with Whitney Kline (Personal Benefits Manager) is that she was and continues to be extremely helpful.
Mary-Jo Briguglio
KY
Mike Montes (Personal Benefits Manager)–provided clear info, a timely basis & helped direct me to what he thought would be best coverage. Real Consultant.
Vincente Gonzalez
FL
Misty Berryman (Personal Benefits Manager) has been fantastic in answering our questions leading up to enrollment and made the process as seamless as possible.
Dave & Kristin
GA
I have had a great experience with Leslie (Personal Benefits Manager)– she has been very helpful and personable throughout the entire process of getting us setup with this new Healthshare plan.
Anja Prince
AZ
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