Altrua Healthshare Plans

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Altrua Healthshare Plans

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

Altrua HealthShare 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.
  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 has donated money to countless charities, including disaster relief efforts, women and children’s shelters, Ronald McDonald House, food shelters, and Autism Smiles.

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

Q: Will my doctor accept Altrua Healthshare?

A: Altrua is part of MultiPlan, which is a network that includes the large majority of medical providers. Even if a provider is not a part of MultiPlan, your health expenses can still be shared with Altrua.

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 Health Share 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 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, 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.

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