ALTRUA Health Share Plans alternative coverage
In this post we will explain a little bit about ALTRUA Health Share Plans alternative coverage. This plan is the answer for people who have problems with the high cost of health care and health insurance. This plan can save you from either having to reduce your coverage or having to pay a high deductible.
Thousands of people have discovered that Health Care Sharing Ministries is a viable alternative to the high cost of health insurance. In fact, sharing ministries much like ALTRUA have been in existence for almost thirty years. There has been billions of dollars of health care needs that fellow members have shared in. Although Health Care Sharing Ministries are NOT insurance they operate in a similar way.
Some times people refer to Individual Health Care Sharing Ministry as (HCSM). If you choose to become a member of an HCSM, your medical providers will consider you to be a self-pay patient. In general, self-pay patients pay lower fees than providers charge health insurance companies. The Members of a sharing ministry remain self-pay. Although they benefit from having other members who believe in caring for one another through the HCSM. Note: Some HCSM plans use providers networks. ALTRUA health share uses the PHCS/Multiplan national network. Any members going to an in network PHCS Multiplan provider will be able to visit the doctor for a cost share of only $35. They will also receive the PHCS Multiplan discount on any other medical services they receive.
ALTRUA Health Share Plans alternative coverage – Unlike other HCSM plans
ALTRUA does not require a pastor, elder or representative from your local church to verify your church attendance. These plans do not require the validation of your medical need by submitting it to the membership for sharing. If you are a member of ALTRUA, you do not have to wait for other members to send their individual checks to you to receive your medical payment. Each eligible medical expense you submit to the membership will be paid in accordance to the members’ escrow account instructions and the member guidelines.
ALTRUA is not exclusive for one denomination, religion or faith. This plan (ALTRUA) is a recognized HCSM under the guidelines of the Affordable Care Act. In other words, If you are a member you are eligible for exemption from the share responsibility payment penalty mandated by the Affordable Care Act. ALTRUA has a nationwide membership for both individuals as well as families.
Altrua 2019 Membership Guidelines (Strongly Recommend you read the guidelines before applying)