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Below is our Altrua HealthShare review. Please keep in mind that no person on our team is a member of this particular ministry. This review is based off information accessible online.
If you are a member of Altrua HealthShare, please scroll to the bottom of this page and submit a user review so that others interested in Altrua can get opinions from actual members.
Altrua HealthShare originally launched in 2000. And it looks like they are bringing a more “start-up” vibe to the industry. My first impressions of the website were “wow.” The branding, User Interface, member portal, and information on this website are top-notch. Altrua also has an app to make things easier for their tech savvy members.
In an industry where companies can come off a bit “old-school,” Altrua seems to be coming in and trying to shake things up with a fresh, new approach. For the younger generations, Altrua might be a front-runner.
Although I was super impressed with their website, I didn’t feel the same after checking out some of their social media channels. Their Twitter account has only 59 followers, and they have only tweeted a total of 49 times. On top of that, it seems as though they haven’t posted to their social media in a long time. As a prospective member, this would be a huge red flag for me.
People that are considering joining a HealthShare are definitely going to do some research on the company. If that research shows that there isn’t much interaction with members via social media, prospective members might look elsewhere.
For a company that has invested a lot in such a nice website, they should be doing the same with their social media.
Altrua HealthShare provides a lot of detail about how everything works within their ministry. I haven’t seen another ministry go as in-depth on their website like Altrua does. The website is full of helpful visuals, charts, and infographics to help prospective and current members understand what Altrua offers.
Altrua HealthShare works similarly to other HealthShare ministries. Members contribute each month to keep their membership active, and they are able to share their medical expenses with the community after an initial Member Responsibility Amount (MRA). Something unique with Altrua is that there is a first MRA and a second MRA. Your monthly contribution and MRA amounts will depend on your age and selected membership type.
Pricing and benefits for Altrua can get a bit confusing. Luckily, they did a great job and providing as much information as possible for this on their website. There are four options for Altrua HealthShare membership: Diamond, Emerald, Sapphire, and Ruby.
Diamond. The Diamond program for Altrua HealthShare is the top, most extensive one offered. For each plan, Altrua provides helpful charts that breakdown pricing by age and a number of members: individual member, member plus one, and families.
Emerald. The Emerald program is the next step down for Altrua. The prices aren’t dramatically lower—about $25–$130 per month depending on your household size. In my opinion, it’s best to opt for the best plan or the lowest plan when joining a HealthShare ministry. But of course, always go with what is best for your budget!
Sapphire. The Sapphire program is pretty balanced option between the highest and lowest options. Your first MRA will be $1,000 more than on the Diamond program, but your second MRA is the same as the top two memberships. One of the bigger differences between this program and the top tier is that you will not be able to share maternity. Additionally, your office visits will be handled differently on this lower tier.
Ruby. The Ruby program is the lowest option offered by Altrua. Here, the prices are dramatically cheaper than the other plans. For just an individual under 39, the Ruby plan is $175 less per month. Of course, with the cheapest program comes fewer opportunities for sharing expenses and much higher MRA amounts. So, the monthly savings are a tradeoff for bigger costs if you have a need.
Please visit the Altrua HealthShare website for more detailed information on how their different memberships work.
The Member Responsibility Amount (MRA) is very similar to the with ministries like Liberty HealthShare. Essentially, the MRA is the amount that you will have to pay out-of-pocket before the membership will start sharing your medical costs.
Altrua’s system has two MRAs. The first MRA is the initial amount that you will spend before your Altrua membership ever kicks in. The second MRA is a percentage of your bills that you will pay after you fulfill your first MRA. The membership community will share a portion of your eligible needs while your second MRA is being met. Once the first and second MRAs are fulfilled, all your eligible needs will be shared at 100% through the end of the membership year.
While not all things are included in all the programs (like maternity, adoption, or lab services), Altrua offers sharing for many of the services that most members will be looking for. They also offer different program levels the give prospective members the opportunity to choose what is and is not important for their membership.
Some of the things that are included with every membership are telemedicine, cancer sharing, pooled office visits, prescription discounts, and 100% sharing after the MRAs are met. Additionally, Altrua claims that to date, all eligible needs have been shared.
Of course, there are some limits on what members can hope to get out of their membership. For example, each membership level has sharing limits—specifically lifetime sharing limits. There is an increased MRA for some needs (like cancer and maternity). And something that might really hurt is that members whose weight exceeds the membership standard will pay more each month—or they may not even be able to have a membership!
Like all of the other HealthShare ministries, Altrua’s sign up process is pretty simple and can be done online. They provide an easy online form where you fill out your basic information. After filling this form out, you will be contacted by Altrua HealthShare and will begin the process of enrollment from there.
Are you a member of Altrua HealthShare? Please leave a review below so others can get a better sense of what it’s like to be a part of a Altrua HealthShare!
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