Altrua HealthShare

Altrua is a scam. They don’t even deserve a 1/5. We were members for years and their ambiguity and deceitfulness is beyond words. In most recent events, our son broke his arm and Altrua has manipulated, lied, avoided, and ignored our coverage leaving us exposed to a hospital and their collections department. We have paid the MRA in full plus a thousand dollars extra and Altrua still is avoiding their responsibility. Altrua staff play dumb by telling us they lost files or didn’t receive files. They claim to be making payment to the hospital and suddenly checks are lost in transit. This is not a Christian or a reputable business. This is a clown show. We have the most expensive plan you can buy at around $900 monthly and it gets you nothing but stress and neglect. My wife has been spending hundreds of hours talking to Altrua team who all claim docs are missing or have no knowledge. It’s like dealing with idiots and unprofessional jokesters daily. They blame everyone but themselves. They offer no support. Every answer is ambiguous. Anyone that uses them needs to know that your premiums are going up in smoke. This isn’t a health share. It’s a scam where to you pay and trust and find out you have zero coverage and support. Run away as fast as you can.

Altrua is an absolute sham. Getting them to own up to cover anything takes a rocket science degree. I’m absolutely offended they call themselves a Christian company. I understand the need to outsource customer service to overseas call centers, but I have repeatedly asked to speak to someone stateside, or the person who sold me the plan, to better understand what I’m actually getting for my membership. Trying to prove I had a baby and had medical necessity for maternity visits is proving harder than climbing Mount Everest.

Altrua is absolute garbage. They an opportunistic and negligent on all levels. They seek to catch you offside and negate any responsibility. The fact that they claim to be Christian is an insult to all believers. Altrua is pathetic and your fees are paying for literally zero coverage and a ton of abuse and harassment. No insurance is better than these clowns.

If there was away to give them a zero I would, they pull you in with low prices then more than double your monthly premiums within two years. For what they are now charging me I could get real insurance,(but I have to wait until the enrollment is available again, at which point I will switch). Then they do nothing to earn it. They do NOT cover routine checks. Do not get this plan. Horrible, Horrible Horrible. If you will look down at another review they are upset because Altura won’t cover a colonoscopy because they haven’t had the plan long enough, sorry but they won’t cover Cologuard even when you have. I have been with them 3 years, I have never had a Cologuard test since being with them, so the excuse now is I haven’t met my 1st MRA ($500) and 2nd MRA (25% of the next $25,000) which is like a double deductible. This comes out to a $7,000 deductible. Just stay away from this horrible company.

Horrible. I wasted money on this for them to not cover hardly any medical expenses. Sign up process was horrible as well. Claims take months and months to process. I pay more than what i originally signed up for. Constant emails that you dont need. Horrible company with horrible employees. Wish I would have read the reviews too.

I’m a health insurance broker. I sold a handful of these Altrua plans – people are nice, but it failed my clients.

1. A pcp would not even take it and the client yelled at me. I lost that client.
2. A client and buddy ended up in the hospital with Covid at Baylor Scott and white in grapevine TX. 5 days and the hospitals claims department would not work with them. It was embarrassing AND my errors and omission insurance coverage would not cover me if I sold it. If I were sued I could have lost everything.

I always ensure ei hve adequate coverage for my family and clients.

I highly recommend you stay away from this company Altrua Healthshare.

Processing claims is a hassle and takes months! Expect your medical bills to go to collections over the negligence of this corrupt HealthShare. If you have maternity coverage do not expect them to pay because they won’t. My family is healthy with barely any doctor visits but once you actually need a visit, X-ray or anything you will need to call customer service multiple times, send forms in, be inconvenienced, email multiple times with no response… etc. They have happily taken our money for 4 years but when it comes down to helping a member pay any bill they give you every excuse why it’s not eligible. Again, if you are pregnant and they promise benefits, do not believe them! Prepare yourself. Complete rip off! Complete scam company.

I should have read these reviews first. Coverage w/Altrua is like throwing money in the toilet. We joined Altrua as a short-term health coverage (3 months between jobs) and received quite the song and dance from the sales dept. And non-stop sales calls at all hours. They assured us that everything would be covered if it was an emergency or was requested by a doctor. But that tune changed immediately when my husband was told by his doctor to get an immediate colonoscopy due to blood in the urine. Altura refused to cover any of it since it was less than their required time frame since joining. Which means anything we do would not be covered during the 3 months! This is not what the sales dept stated; they were told we only wanted short-term coverage for 3 months. Fraud company hiding behind a religious cloak. Typical.

Just got off the phone with a sales rep. I am recently self employed and am finally able to afford shopping for insurance for myself. The lady who helped me was very kind. However when I started asking questions and realized I was being force sold into a contract – I looked up the health share and realized it was very “christian” values based and I said no thank you. A manager jumped on the line and told me he’d been listening and I said I’m sorry but I have to go do more research and I’m not comfortable with this kind of affiliation. He told me I have NO IDEA what I’m doing and kept talking over me telling me I’m not the expert. I said How dare you sir, you are so condescending and you keep talking over me. I did call him a POS and hung up. DO NOT GIVE THESE PEOPLE THE TIME OF DAY!

I would give ZERO STARS if i could. I just cancelled my membership after being a member for only 1 year. I couldn’t do it FAST ENOUGH. This company is THE WORST, I swear I have PTSD from the whole experience.

Not one single healthcare provider I went to would accept Altrua Healthshare “membership” and so I would ALWAYS have to pay out of pocket and then hope and pray I would get reimbursed. I also had to deal with all kinds of nonsense from doctors office staff who would make me feel like I am a second class citizen who is trying to use my library card as health coverage. My gyno even denied me as a “self pay” because they said there was too much drama going on with Healthshare groups and members suing for not getting reimbursed…so doctors want nothing to do with the entire transaction.

Then comes the joy of calling Altrua eight million times to give them document after document to satisfy their “reimbursement submission” requirements. That was like a part time job for me, no joke. And it’s not like the membership fees are small. The plan should include the proper backend staff to do the paperwork and make the calls to providers on our behalf. I was paying $356/month (plus the “part time job” hours I spent on the phone trying to get reimbursed for BASIC PREVENTATIVE SERVICES). They raised my rates by $60 per month after being with them only 4 months. WHY?!?! No explanation given.

They require you to get annual pap smears, BUT ONLY COVER THE DOCTOR VISIT. The lab work is considered “extra”. Hahahaha…you just can’t make this up. Sooooo… my doc should get the pap specimen and then just throw it in the garbage???? They covered the office visit but refused to cover the labs, which is most of the cost of a PAP. Makes no sense at all.

When ever I tried to submit a claim I received such a run around that I gave up. I am sure that was their desired outcome. I agree with all of the negative reviews. I was terrified that if I went to the ER or had an actual emergency that they would never help me. Their customer service was AWFUL. For their prices, you might as well get traditional health insurance….and not have to act as the plan admin.

Communicating and signing up for Altrua Healthshare is easy, but no other dealings are easy with this company. Of course I love their pricing, and I knew I would be more involved with dealing with my medical needs. But to have to keep sending in the same info four times because they do not update their records is an absolute pain. Lately, I’ve turned in a ticket with questions, got a response, applied those responses, and answered that email with the results. They then closed the ticket as they say I never responded. And if you are a couple, and one goes off due to entering medicare, it is beyond frustrating. I am not a person in their system as it is all in my spouse’s name with their info. I have been told that there is no way to have info transferred to me. Such a frustrating experience

I just cancelled my membership after being a member for 2.5 years. They were nice about cancelling my membership. I actually talked to someone I could understand. They raised my rates by $100 per month last year, primarily due to my age (63) I think. No explanation given. They only covered my doctors visits for REQUIRED services. i.e. yearly PAP test which is no longer the standard of care at age 63 after a lifetime of negative tests. They covered the office visit but refused to cover the labs, which is most of the cost of a PAP. When ever I tried to submit a claim I received such a run around that I gave up. I am sure that was their desired outcome. I agree with all of the negative reviews below. I was terrified that if I went to the ER or had an emergency that they would never help me. Their customer service was AWFUL. They were very poorly trained and could not be more unhelpful. I am a self employed doctor! They would not accept my own documentation when I ran my own blood tests. I would recommend you don’t walk away from this company, you should run. There are currently other legitimate health insurance plans out there that will cover more than what this company covers and for much less.

Let me start by stating I was a licensed agent working for this company. The marketing and face value of Altrua looks incredibly legit! Their customer service is all outsourced and they’re very friendly, wait until you get a hospital bill and you will see their true face. Not only did they collect your monthly dues and lead you on with a whole claim submission process with tons of stories and delays (good luck talking to someone within the US), eventually they hang you dry.

Horrible company, they all deserve to go to federal prison for scamming so many innocent people.

Hoooooly hell do I have some words for these people. This organization is a complete scam and when it says on their website that you can cancel at any time? Don’t believe that without having some kind of repercussions. While you CAN cancel at any time, their customer service minions will stop at absolutely nothing to get you a cheaper plan and then lie about taxes that no longer exist if you attempt to cancel your membership. I don’t know what they get in exchange for signing up, but they’re far worse than any other sales rep I’ve ever encountered. I spent a good 20 minutes combined with two different people going back and forth on details of things that were not their business. I’m also 100% certain they put words in your mouth and put false “facts” into their system to manipulate you with.
I have never been talked to on the phone the way the people here talked to me. Normally, I respect customer service employees, understanding that they don’t have control over a lot of circumstances, but when you go out of your way to try and scam me into something I clearly don’t want and have told you multiple times I no longer want, that’s going to be a problem for me. You guys talk to people like this and call yourselves a ministry? Sucks you can’t talk to me on here the way you were talking to me on the phone though, doesn’t it?

I have been trying to receive reimbursements from Altrua since October 2021. Each time I call, they say I need to submit additional information. I have given them everything to process reimbursements. I have requested a customer service representative to contact me. No one has called me back. I am extremely disappointed being they are a Christian based healthshare. Please use caution when considering them. If I receive my reimbursements or a courtesy call back to let me know how many more steps I need to take, I will post a positive review.

God bless and stay well!

Absolutely the worst thing I have ever wasted money on. What a joke! We are self employed with 3 kids. Everyone was covered under diamond program which was like $665 a month! So about 2 months in I had a seizure out of nowhere and they found a brain tumor. I had to have it removed ASAP. I lost all function on my left side, hospital for a week, rehab for 6 weeks. Altrua paid ABSOLUTELY NOTHING! Total Bull!!! Makes me sick! They could have at least helped with what I have already paid in so far. This has to be some kind of scam! Never again

You are in the business of cheating people out of their hard earned money, WHY?????
I was sold a policy that didn’t have the coverage I was told it had . Purchased my plan on the 25th canceled it on the 27th but you still refuse to give back my money. So it’s the Christian thing to do, steal my $512 for two days of a plan that was never used??
BE AWARE OF THIS COMPANY!!!

They get at least two stars because they’re a little cheaper than others but the customer service is insanely unhelpful, not to mention you can’t understand any of them because they all are from different countries, very unreliable, when they say they’ll give you a call back after they look into something they never do. I once went back and forth with them over a hill they had the wrong address for for over a year and a half. Most recently I accidentally switched my plan to a higher plan when I thought I was just comparing plan and now they won’t let me switch back to the plan for the price I was paying before, they’re making me keep a higher price. I literally called them immediately after explaining the accident and they are just like sorry there’s nothing we can do you have to pay the higher price now. Very dishonest of them.

Are used them because they were the ONLY place that I could get some reimbursement from my out of network specialist who is AMAZING. And though in network, my PCP won’t bill them anymore because they take an excess of six months to pay her. I have to pay every thing out of pocket- then get a super bill and receipt, and send them a reimbursement request. Literally 9/10 they ignore it! Literally. And then won’t count it towards my “deductible” unless I get angry and contact them forcefully and repeatedly- I’m a pretty passive person, so this was exceptionally difficult and stressful for me. I detest confrontation.

I 100% DON’T recommend them! I feel like they are practicing dishonestly. And they raised my rates after I signed a contract from $260 a month, $297 a month, and now to $356 a month. All in less than 6 months.

They raised the rates and continue to do nothing for what I pay.

I would not recommend Altrua Health Share
to anyone, their customer service is impossible to work with. I have tried to remove a dependant since February 2, 2022, and continued to pay for the dependant for four months. After multiple calls and hours on the phone, Altrua sent me a notice on May 30, 2022, that they had canceled the entire policy leaving my six-year-old daughter and me with no benefits for June. If this company truly holds Christian values, it’s hard to believe how they treat their customers.

I don’t understand why people are rating this company based on the ease of sign up- OF COURSE that will be a great experience; they want your money!!! Might want to wait until you ACTUALLY need to use it before doing so…

If I could give them ZERO stars, I would. Be prepared to not have A CLUE in how much they will ‘share’, if anything, towards medical claims. They also do not have EDUCATED staff to review medical records before making determinations as to what qualifies or breaks their ‘rules’. I was involved in a NO-FAULT accident, shattered my pelvis on both sides, had to be transported to the hospital via ambulance and spent 4 days there. The medical bills were HUGE. They first tried to get me to work with the hospital and get financial relief (I was out of work for the 1st and only time in my life due to Covid and business basically shutting down) so they could get out of sharing anything- The hospital didn’t buy that and said Altrua had to FIRST contribute and whatever was remaining they would work with me on. Fast-forward and they then DENIED ALL CLAIMS, stating ‘excessive alcohol’ use. When you sign up for this membership, and in order to remain eligible for sharing you have to live a healthy lifestyle- No smoking, no excessive alcohol… The medical records team read my blood test wrong!!! 24ml equates to a .02 BAC. It even said on the test result ‘null / none found’. But they conveniently ignored that, either played stupid or truly weren’t smart enough to convert it and *decided* that my BAC was .24. After hours and hours of phone calls, 4 appeal letters explaining this…. They FINALLY started sharing. But they screwed me ROYALLY- Because bills went unpaid and to collections, my credit score went from over 800 down to under 700. I’m STILL working to get the last item paid and removed from the credit reporting agencies. This last one they submitted as a ‘Workman’s Comp’ claim so they could get a lower negotiated rate (they are responsible for 100% of this bill) and it was rejected because it was obviously filed under false pretenses. Even when this last item is paid and removed from my credit score, it will take YEARS before it goes back up to where it was.

Literally, a nightmare. I’d just assume not have insurance / healthshare coverage at all. 1.5 years dealing with just this, the financial impact, stress… NO THANK YOU.

I signed up for this plan due to leaving my job due to a loved ones health care needs. Paid my premium and was told I would receive a welcome packet with my card and information, this happened in 03/25/22 and coverage to begin 04/01/22 but I could use my new plan until 05/01/22. I never received my welcome pack, Insurance card, and called on two separate occasions to ask for it to be sent! A month has passed and I still haven’t received my welcome pack. Needless to say I dropped this insurance because if I see a Doctor on May 1st and I needed to do any labs or testing done there is a 90 day waiting period for these services, I would t be able to do them until June or July! Unacceptable! I requested a refund of my premium since I didn’t use the plan and it isn’t May 1st and was informed that I passed the 10 day waiting period and I couldn’t get a refund! Basically I lost $388.00 on plan that hasn’t been used, And to think this is a faith based plan! The level of incompetence is beyond comprehension, I regret joining and I am writing the loss of my $388 as a donation to the ministry they apparently say runs this plan!

One of the most poorly run companies I’ve ever had any interaction with. From small things like when I tried changing my email address (I called them 5 times over the course of several months and each time they “changed” the address and said it would show up in a day or two…it never changed) to big things like how they began refusing to cover any of my claims because of a “nicotine dependency” (I’ve never smoked in my life lol). And oftentimes requests would get denied with no explanation. Very poor communication – there are many HealthShares that will serve you MUCH better. Don’t waste your money with Altrua.

The worst experience I’ve ever had with customer service and health/dental insurance. Have been asked to fill out commitment forms 4 times in 3 months of coverage. Dental was removed from my plan and I was not told (and my cost of insurance was not adjusted). The result is my family being charged for routine dental visits. When customer service is contacted no one wants to give a definitive answer about what is covered and what is not. General guidelines are simply quoted from website and marketing materials. Could not have had a worse experience from initially purchasing the plan (was activated in the wrong month) to getting basic coverage and notifications from Altrua.

Edit to clarify: Altrua is not insurance and works differently, as do all other HealthShares.

I was with this company for two years and when I got out it was a mess, I got ticked off to no end, I had to pay for the whole month when it was the beginning of the month, I told them that was cheating, they just don’t care, I think they got me for an annual fee, I should check that out. You are cancelled they said and you get no refund, real nice, thanks, and you call yourself a Christian organization. God have mercy! My brother signed up with altrua online but didn’t sign the contract with altrua because some other insurance came up in the meantime that he liked better, he went with this new insurance company and altrua wracked up a bill on him, he didn’t check his bank statements for a few months and altrua got him good. Contacted altrua and said I never signed the contract with you I want my money back, altrua said no, to me that is sinful, judgment day will come. I’ll ask my family I think they (altrua) considerate it contributing but we call it a sin. I am done with the company, Jesus help us get the truth out about altrua, I asked them to have compassion on me, they never did. Our family has proof as to what is said above is true we can prove it. Our family will stay away, bye bye.

I switched to Altrua for July 1. It is now November 10, and I still haven’t gotten my cards. I have called repeatedly. They send it digitally, and each time it comes out blank. I’ve requested multiple times to get it as a hard copy and it has never arrived. Of course, since I’ve never been given the cards, I have been unable to make any claims. They deny the history that I even called ever before, which is probably why they never send anything out. I don’t think they have a central database for all members. They are super frustrating, disorganized, unprofessional and I am very concerned they are absolute frauds.

Each marketing email they send has fine print saying that they are not actually liable to pay any of your bills ever. It seems they do everything to avoid it.

Stay far away. I am switching this week.

If you enjoy chasing your tail and hounding a company to do what they promise, this is the right healthshare option for you. Roadblocks galore. An example — after obtaining a very specific “Super Bill” from the hospital and submitting it, I had to call and email and re-submit it several times before Altrua finally acknowledged receiving it. (One of the reasonable specifications was that the Super Bill would reflect that I had paid the hospital the self-pay rate, that my balance was zero) So I waited about a month and heard nothing so I contacted them again. Then I was told that they needed the FULL record of my stay – about 100 pages – not the reports they had originally requested and I provided…. and they had to be faxed, not mailed. So after accomplishing that Herculean task, another delay. Then they tell me they need to see my credit card statement (!) showing that I had paid the hospital. I said the Super Bill reflects that I paid the balance in full. That it’s an invasion of privacy for them to request my credit card statement. They finally backed down. Oh, and when they assure you verbally while you can barely muster the strength to call them while you’re worrying in the hospital what this will cost you that your out-of-pocket won’t exceed “x amount”, don’t believe it. I was out of pocket much more, even though I used in-network providers every chance I could. An absolute waste of my precious time and energy trying to push through all of their stall tactics. I was surprised and overjoyed to find that I qualified for REAL insurance on The MarketPlace. I’ve been very happy with my Blue Cross Blue Shield for almost a year, but I want to warn others about the woes of dealing with this company. The fact that they emphasize how Christian they are makes it even more sickening since I, too, love the Lord and hate to see Him misrepresented like this.

They WILL NOT PAY CLAIMS!! I was lied to by the rep selling me the policy, now have $55000.00 in Bill’s they will not cover!! Please look elsewhere for coverage. They are NOT Insurwance and can deny any and all claims even if it looks like they should! Buyer beware!! If I could give a 0 score I would!!!

The best healthcare service I have ever used. Their Telemedicine service is the best form of healthcare I have ever used. For example, I had a moderately severe allergic reaction to pollen and dust mites with rash, itchiness, and puffy face and eyes. I called them up for health care and a doctor returned my call within minutes and I was on my way to the local Walmart Pharmacy to pick up the prescription! I’ve never had healthcare like this before. Top review and ratings!

My daughter went to the emergency room, and the Altrua members supported us through the entire process. I had to take a few extra steps with the hospital, however considering what I am saving every month, this is small ask. I would highly recommend Altrua HealthShare.

I had EMERGENCY retina attachment surgery while a member of ALTRUA. I had to go to six facilities (E.R. room at Mission Hospital, two different ophthalmologist offices, a surgery center, and there were separate bills from the E.R. Physician, and the Anesthesiologist), and ALTRUA is rejecting all of the invoices, because the invoice doesn’t have a diagnosis code, AND a procedure code.

This is how ALTRUA routinely denies claims. They blame the health care member because the itemized statement we receive from medical care providers doesn’t have all of the detailed information they require, however, even the Emergency Room itemized statement doesn’t contain a diagnosis code! That’s not something the hospital includes in their statements. ALTRUA is quite clearly a corrupt organization.

I expected a higher level of caring and service from an organization that claims to be Christian based. Very very disappointed (but not entirely surprised).

We signed up with Altrua 4 years ago. We were healthy and received our discounts though Explanation of Sharing was slow. Then my wife ended up with a two day ER stay this year. We had to pay out of pocket as the hospital would not bill Altrua. Eight months later not one bill has been paid and we have not been reimbursed. Every time we call we get the same story; need more time for processing. No one to escalate to, no supervisors, no results. We cancelled and signed up for a heathcare.gov plan. Sad to see a Christian organization treat Christians so poorly.

Altura always answers my questions. Their call wait time has improved 100%! I had a $5000 ER room visit. I ended owing $1500! Altura’s program absorbed and negotiated the rest after my MRA was satisfied. We have been with Altura for about 5 years or more. Very satisfied!

Your website is well done. This is my 1st time getting involved with a HealthShare plan. I’ve always had a PPO plan, but with the cost increases and offering if less coverage I needed to make a change. I did my research and decided to try this kind of health plan. I did have to pay more because I am overweight, that was disappointing. I was told that the provider directory were updated frequently, but did mot find that to be true. When trying to schedule appts. Two of the doctors that were active in the directory, said they were not contracted with you. It has been frustrating. Hopefully, I will be able to navigate my way through the system. Customer Service was very helpful and professional.

This health insurance company is the worst – STAY AWAY. I was by my insurance broker that my doctor was in the Altrua plan I was buying – she wasn’t (not Altrua’s fault, but this was a pain). Finding a doctor was close to impossible. The customer service reps had zero knowledge on how to find people in my city. The app was constantly broken – the reps didn’t know anything about it or how to fix the app. All around, terrible experience. You get what you pay for!

If I could give a minus score I would give a – 5. If you have Altura you DON’T have health insurance. They don’t cover many health providers or health services that are required by the government for health insurance companies. Don’t waste your money, get health insurance.

Half the bills are still due. Been six months an they turning me into collections. Left several messages an never got a call back from person handling my case. Finally called the rep who sold me an got a response but still haven’t paid. Really don’t understand. Very disappointing. I have referred Altrua to several friends an family an now regret it, certainly don’t want them to have the same problems. Getting the run around is the worst.

I went to the doctor for a yearly physical on 4-14-2020. Make sure you read April a year ago. I have called them 6 to 7 times because the doctor bill is still not paid. They continually say “I’m sorry“ we will escalate your claim. every call I get told the same thing and as of today April 6, 2021 it is still not paid. It is time for 2021 yearly physical which I will cancel tomorrow because I cannot go through this another year of trying to get 2020 paid then try to get 2021 paid. Why have a yearly physical done for preventive measures if Altura is going to put more stress on me which is not preventive measures. Think hard before signing up.

Wish I could leave a better score. I’ve been with Altrua for 20 years. But the last few years the claim service has been terrible. How can it take 30 to 45 BUSINESS DAYS to pay a claim? That’s 1-1/2 to 2-1/2 months! How can they deny services like a needed CPAP machine? Is it easier on them if I have a stroke and high blood pressure instead?

Don’t sign up unless you want to stay frustrated dealing with their ignorant reps… and they won’t let you cancel the plan!!!! This is the worst health plan company I’ve ever come across in my 24 years as an insurance agent. I regretted deeply putting my wife and another client enrolled in this plan 15 months ago. Thinking that this is a Christian organization I would get honest and caring service, boy, was I totally wrong!!! Both of my clients requested numerous times via email and talking to reps to end coverage 12/31/2020 but they kept taking money out of my client autopay account. My wife joined the gold plan and used the “healthcare credit” (you pay first and get a reimbursement after you filed a claim) to visit a doctor. A doctor’s receipt is not good enough to get reimbursement (still not receive). They make it difficult for you to get it- You have to get a “super bill” from the provider with his tax ID, diagnosis, itemized service, amount and billing codes and sign commitment hoh form over and over again. After you gave them all documents then they ignore your repeated requests for reimbursement. Their customer service reps sound like poorly trained college students. May God be with you if you ever admit to a hospital or have health problem and make sure you have money and patience to get reimbursement. I would give it -3 stars if available. Also don’t trust their consumer survey which doesn’t accept comments. Altrua should not be allowed to do healthcare business and using the Christian name.

I would give a ZERO if that’s allowed. None of the clinics recognize this insurance, is this company really exist? Spend your money somewhere else. And that website and app look like someone from the 60s designed it, terrible user experience.

Terrible experience!!!! We signed up with Altrua in September of 2020 (family of 6 with 4 kiddos). Before our first doctors visits, we called Altrua to make sure that our provider was in network and we were good to proceed. We were informed that all was good. We were sent “Commitment Forms,” at the end of 2020 and responded with approval within a few weeks (as if our monthly premiums did not show our commitment). Fast forward another month, our doctors office started requesting updates and letting us know that non of our claims “medical needs,” had been paid. So we started calling and checking in on a weekly and were told that our claims were being “escalated.” The claims continued to spiral out of control and here is sit with a bill from our provider and over $1,000 in the 30 – 90 day past due column. End result – after spending $4,340 in premiums, Altrua is contributing just over $250 – finally. What’s worse? Last week, I called to: 1) cancel my policy; 2) inquire about the open claims (for the fifth time!). They did not cancel my policy last week and charged me for another month! I called to speak to a supervisor and was connected with Patty, who refused to refund me and said she will cancel on April 1st. I am so disappointed. Alright, I am done ranting. I just wanted everyone to hear my story.

Dialcare (under altrua), what a joke! Good luck getting a Dr. you can even understand, communicate with or who won’t talk down to you. And when you tell altrua that you cannot understand the doc, they have ANOTHER one call you who you ALSO cannot understand.

And dialcare, you don’t have to remind us to BATHE everyday, what an insult! And certainly not from some dr. in a 3rd world country. Cancelling our lousy plan ASAP.

I started with this company last April and have let to see them pay for anything. It is such a hassle as the medical clinic does not recognize them for insurance coverage and then you have to send all your paperwork to them with additional forms and then they send back an answer that you owe them money! I think they want to discourage you so you give up. I wish I never signed up this.

It is very sad that the company calls themselves a Christian organization. They don’t help you with the bills, they add stress and reasons to not pay what they promised as yearly doctors visits and lab work. I contributed for a highest plan they have, and not even one payment was reimbursed. The process is always extended to the last day of 30-45 business days , and than restart again, as they would not be satisfied with information provided for anything and everything. My visits started at July and now its February, received an email that next process will take 30-45 business days. All information was submitted by certified mail, as previous emails and fax were constantly lost.
I changed my plan to lower contribution amount, and they don’t honor that either. I wonder if anyone had anything reimbursed by this company, or they using contribution to pay employees salary. PLEASE DON’T PARTICIPATE with them. YOU WILL BE GREATLY DISSPOINTED and LOOSE YOUR MONEY.

I have been using this health share for years ONLY because they wanted $1600/month and a $6000 deductible for Obamacare.
I had a mamogram on 8/5/2020 and STILL have not received my reimbursement. Called them again today and it will be another 30-45 days. They mixed up my 2019 submission with the 2020 submission (and that is my fault??!!).
I would only recommend this health share if you have money to spare and can wait 7 months for your reimbursement.
Pathetic.

I love Altrua HealthShare! It’s been a great solution for me as a writer and entrepreneur. Any questions I have are answered by a knowledgeable and kind staff. I also love being part of a healthcare experience where other members are living healthy lifestyles. Win win!

If I could I would leave zero stars. This place is a SCAM!!!! Sounds like a bunch of percocet pill heads trying to scam people out of money! They connected me to some woman who sent me a text message saying some off the wall B.S.! They then try to insist that I get this bs so I told them nevermind I don’t want it! Another dude proceeded to try and sell me this shit and I told him no thanks.

Two pleasant experiences!
I had had a pleasant experience about 18 months ago when I first signed up for Altrua Health Share.
I had enrolled with Altrua because I was going to be losing my health insurance but then had an unexpected change which permitted me to keep my employer paid benefits for these last 18 months.
I was thrilled at how well Anna at Altrua took care of me and walked me through the process of enrolling again.
I’m healthy so I don’t expect that I’ll have a whole lot more interaction with Altrua but I couldn’t go without praising the professional, courteous and compassionate care extended to me during this process.
Thank you!

Altrua is a SCAM!! please do your research and look at the reviews for giving this scam business you money please! I lost my job in june 2020. I was going to cobra from my job but it was going to cost me 1,000 a month and I am on unemployment getting 430 a week. I also have bills and school to pay for. I am on 3 prescribed medicines and made it clear to the agent who LIED to me that having coverage for my medicines was the most important to me. She flat out lied to me, by pretending to look up my meds to see if they would be covered, told me to the copay prices and I felt like a huge huge weight was lifted off my shoulders so I paid the monthly fee and the enrollment fee. Few weeks later I go to pick up my Birth control and I am told its not going through, I call Altrua and I was told to print out my carecard for discounts on prescriptions, I go back to cvs and I am once again told that does not work at cvs( my agent told me that my cvs would accept all of this) . I then was in tears, I am on BC because I have an ovarian cyst and so BC keeps my cyst under control pain wise. I then call the company crying because at this point it has been two weeks with no BC. The funny part is the carecard covered my Adderall and Trazadone. NOT that it was their business, I then mentioned my cyst to them and NOTHING no help no sympathy just mam we don’t cover meds. I said well the agent told me you did. Some Christian based company. The only care about MONEY, GIVING FALSE HOPE, AND JUDGING PEOPLE!! I found on one of their websites now, they legit have standards for who can use this healthcare. No drugs, no sex before marriage. WHAT A JOKE!!!!! THEY STOLE MY MONEY AND DIDNT DO ANYTHING FOR ME!!! After being passed around to FOUR people today, I finally cancelled my membership, asked for the women’s name who I talked to, told her if I get a charge for cancelling or if they take money from my account next month even though I cancelled today I will get a lawyer involved!! PLEASE USE A DIFFERENT COMPANY!!!! I am beyond digusted with how they take our money and do not do anything to help.

Took me three hours to cancel my policy. The customer service rep wouldn’t let me cancel my membership because he wanted me to here his pitch as to why I should stay. When you say you want to count, Altrua passes the buck to Premiere Health. You can’t cancel until you talk to a retention specialist. Their automated phone system is horrible. You have to listen to a three minute pitch before being able to leave a message. You pay right away but can’t use it for 30 days. I would give a 0 if I could.

Justin Borin was very patient and polite as he answered all my questions and provided tons of information to help me make a decision regarding my health care. He made an otherwise stressful topic actually kind of fun to talk about! I feel good about my decision. Thank you Justin!

Absolutely Terrible, I called Altrua both times before going to the doctor to make sure that he was in network and I would be covered, I checked with the doctor and the same thing, they said yes. I checked and double checked, I called after I had went to the doctor to make sure I would be covered. 9 months later, I received a bill for all the services as if I had no insurance or coverage at all. Yet I was paying $250 a month to Altrua + their mandatory donation. They are a terrible company, please don’t bother, you might as well save your money for something else.

This has worked great for my entire family. Two weeks ago my daughter got sick in the middle of the night. I was able to get a Dr. on the phone at DialCare within a few minutes, and had a prescription called in to the pharmacy for her and had it picked within one hour. All why my other two children stayed asleep in their beds. The total cost at the pharmacy for a ZPack for her was $1. On top of that I just received a $100 check in the mail to help support my family or someone else in the community during this Covid-19 outbreak. Thank you Altrua. Keep up the great work!

Our employees have been enrolling in altrua for the last few months . They love the way it works. Most Dr.s will accept the plan once they call Altrua and verify the payment . They also have created a app and have most things your traditional insurance plan would have without the high cost not of of us could have afforded!

Altrua is the WORST! They are no better then any other health coverage company. They are full of promises to get your premium but they won’t pay out on anything. I would be better off with no insurance and negotiating cash pricing on my own with each facility and Doc. Altrua says they get us network pricing but it is a hollow promise. THEY ARE THE WORST!

I have talked with Erich Maier about finding health insurance that would help me cover my visits to the Psychiatrist for my Autism. He recommended that I use Altrua Health Share. He told me that my copay will be 50 dollars for that specialist. He told me that I will have 3 visits for that. I told him that I needed more. He signed me up for a diamond plan where I will have six visits plus a physical visit each year. He also gave me dental, eye share. The cost was 405 dollars a month. A day or two after I got the coverage I called Altrua to put Emory Autism Center on there plan. They told me that they would not share on anything that deals with Autism. I talked with Paul Henry at this time. He told me that he is going to investigate the call to see if I was told that they will share in visits to my Psychiatrist for the refund. Weeks later I noticed a cancellation with Altrua. I called Paul Henry, and he told me that he talked to his manager, and they will not give me back a refund. I said, but you heard the recordings, and my visits to be covered. He said even so it was still not positive. I said please give me a second, and he hanged up. Paul Henry was very polite and professional except for the time he hung up on me. I give this a one star rating because they took my money, and would not cover me as I was told, and when I cancelled when I found out a day or two later they still did not refund me the money.

BEWARE!! Altrua is JUNK. We are your normal, law abiding, texas baptist Christians. We are very active with the church, tithing, serving, all of it. We are a family of 5. My wife was on our fourwheeler in the backyard checking our animals and fences and she hit a pot hole and hurt her self. We use it also for taking trash to street ect. Altrua wont cover a penny! At somepoint they changed their rules saying you must have an additioinal (someone else) insurance policy for it. Total JUNK! Im not required to carry any insurance for riding a fourwheeler. If it was a sport, i would understand and that was in the rules I signed. Not this bogus stuff. Very UN Christian like run comapny. I Do not recommend.

Today I had a great experience with Ireland in Customer Service. I am new to the healthshare and wanted to make sure I was doing all my reimbursement emails correctly. She took the time to review each claim from last year, looking into what the status was for each claim, and letting me know if I needed to add anything to my claim to get it processed. Thank you so much for all you do.
Also, April has been awesome as well, and very helpful in the past. Thank you for all the work you do!

The worst insurance company I’ve ever dealt with. My daughter needed fairly quick attention due to skin irritations that kept spreading, and after calling four of the offices through the app and getting voicemails we finally reached one on the 5th attempt…. the office had never heard of Altrua health…. I called my rep and he directed me to the telemedicine number in which I was told I couldn’t do a phone call with the doctors because he didn’t know how it would work with sending pictures… he suggested I call dialcare in which we received and error code of 401. Seven attempts to reach a doctor, an office, anything… someone to be a health provider that we pay for and got nothing. I’m Absolutely frustrated and disappointed with the service. Stay away from this company.

I’ve been with Altrua for several years. They have always paid as good as or better than regular insurance companies and are much less hassle.
Currently have copper plan for my wife and grandson . If you can carry a higher deductible 7k then your monthly rate will be around 200$ for 2 people. Can’t beat it !

I lost my insurance through my union and was looking for an affordable health care until I qualified again. I was a member for a little under one year and used it with my long term doctor. I had no problem using my card at all. Every time I had a call with a customer representative, I was very happy with their knowledge and friendliness. My peace of mind was as great as the savings in my bank account!
I highly recommend Altrua Healthshare to anyone looking for an alternative to the ridiculous costs of our present health care system.

I had a wonderful experience with representative Jenny last week. I was trying to figure out the correct way to send in claims, and she was helpful in explaining what I needed and where to find it on the website. She had great communication skills and was very personable. Grateful to be part of a community that has great people working for them.

We are a family of 4 in Texas and have been with Altrua for 2 years.
Pros:
*If we paid for insurance through my husband’s or my workplace, we would be paying $1,500 more a month for the premium. That right there is enough for me!
*Altrua is going to share (pay for) the cost of some things and it won’t share the cost of other things. You really just need to be informed of what is covered and what is not – which is explained in their booklet. If you have questions, call them!
*If the service is not covered and the provider accepts Altrua, you will get the “member discount”, which is a less expensive rate. (I’m saving $1,500 monthly, so this is ok with me.)
*They are very helpful on the phone. If the line ahead of you is long, you can leave your number and they will call you when its your turn in line.
*Their website has a place to look up doctors that accept Altrua. All of our doctors that we previously used accepted Altrua, so that was nice.
*The explanation of sharing that is mailed to you explains your benefits and is very easy to read and understand.
*We appreciate the values that Altrua supports.
Cons:
*I can’t even mess with their website. However, I think they are trying to make improvements in this area. I find it easier to call someone.
*Some of the terminology is confusing to me. Since it’s not an insurance company, they don’t have “deductibles”. I just call them when I have a question. They have always explained everything clearly to me.
*Almost all doctor’s offices have never heard of Altrua. Once you give them a copy of your card or the PO Box for claims, they figure it out. This isn’t a horrible thing, it’s just a pain when calling the doctor.
*We had to wait 2 years for them to cover pre-existing conditions – this was not a problem for us as we didn’t really have any major “pre-existing” conditions. I could see how this would be a problem for some. If it is for you – then don’t go with Altrua. You also have to wait 1 year for them to cover cancer. We got a cancer policy elsewhere for a year.

Bottom-line: We are really happy with Altrua. The monthly savings outweigh any issues I’ve ever had. It’s not typical insurance and will not cover everything. You need to make sure you understand how they work and if its a good choice for you. Make sure your doctors accept Altrua (PHCS). If you put some effort into finding out some information before you sign up, then there should be no surprises. It’s not for everyone. We have NOT been disappointed by them. I recommend them!

I have been a member for over a year. They have continue to be there to answer the phone and assist in many ways when I’ve needed help. Their customer service has been excellent and their negotiations has been really great as well. Thumbs up to all they do.

On the second day of enrollment to Altrua Healthshare, I had a severe allergic reaction that had me admitted to the hospital. Time to see what Altrua can do!

I live in NJ where the bill costs can get pretty high. Although membership responsibility bills came with a bit of a crawl (9 months), Altrua covered 71% of the total bill. Also, each representative I’ve spoken to has been courteous, quick, and informative of what they cover.

Thank you.

Just don’t do it. Seriously.

My wife needed an operation. They said that she was ineligible for sharing costs until December of this year. Bummer, but only a few months away. After receiving more information, they said she wasn’t eligible for sharing until 2023!

Office visit? No problem–they will pay up to $300.
An actual medical need? They will move the goal posts to avoid paying.

The most infuriating part is when they tell you that you are on your own for paying costs, but that you should “have a blessed day.”

I signed up with Altrua because we needed insurance. Whenever I showed my card to any health care provider, they just flat out wouldn’t even take it. I paid all of my own costs out of pocket. I broke a bone last year, and again paid out of pocket. When I submitted the hospital costs, they told me it wasn’t preauthorized and will not cover it. So, I paid into Altrua for two years, and didn’t get reimbursed for one thing. They also made it hard to file a claim. Something was always missing, and then when you thought you gave them everything, they’d want the providers Federal ID number. My doctor won’t provide this. I think it’s a bad company. I would never use them again.

Altrua is the worst. They are worse than insurance companies. They cover maternity costs but anyone else, forget it. I paid my premiums for three years but they turned down my one eye exam with a doctor, not optometrist. I went to see an eye DOCTOR because of a black spot in my eye. Altrua turned down the reimbursement because they claimed that I got glasses from my appointment. Not true. I still have my glasses from the 1980s. And I buy reading glasses from the pharmacy. I had to pay the doctor’s tests of $500 cash and never got reimbursed. I talked to Altrua for months and they stuck to their dumb excuse. I will be on medicare next month and a supplement (AARP United Healthcare is the best) and I will never recommend Altrua for anything other than if you are having babies. It’s a scam!!!!! Don’t fall for it. Scroll up and see the poor reviews. They are right. don’t do it.

This is quite possibly the worst health insurance I’ve ever received. They cover nothing, their representatives, lie, forget things, don’t care about you, and are condescending to an epic degree. I’d be paying less for all my medical needs if I had NO health insurance. Trust me, I’m not the only one. And it’s not just one bad egg answering all the calls. Even in desperate need, DO NOT pick Altrua.

My experience with Altrua has practically given me an ulcer. I have NEVER had a worse customer experience in my life. I am an extremely healthy person, but last year I had two enlarged lymph nodes. My primary care suggested an ultrasound. The ultrasound was abnormal, so wanting to be proactive I got the suggested lymph node biopsy (thank God the biopsy showed no cancer). I now feel fine. Both my ultrasound and biopsy were pre-authorized. However, I’ve spent HOURS of my life on the phone with Altrua, the hospital and two other medical providers outside the hospital for radiology and pathology interpretation. I was careful to get pre-authorization, but STILL Altrua claimed I didn’t get pre-auth and denied coverage. Altrua also claimed they sent “explanations of sharing” to my medical providers that my medical providers said they never received. Then Altrua denied my reimbursement claim for $4,000+ I paid out of pocket to providers as self-pay (because Altrua advised me to pay as self-pay and then submit a reimbursement claim). There were countless errors in documentation on Altrua’s end, but then I was asked to write an appeal letter for the claim they incorrectly assessed. Every person at Altrua I’ve spoken with is incompetent, unhelpful, and tells me a different story, I’ve lost all trust in this company. It’s cost effective and seems great in theory, but in practice it’s been one of the worst decisions I’ve ever made to pay money to Altrua.

I’ve been a member for about a year with Altrua. About a week ago, I got very sick. To sick to go to the doctor. So,I called the telemedicine line and within ten to fifteen minutes later a prescription was waiting for me at Walgreen’s. I paid a $1.23 (Z-pac). Absolutely amazing to see it was that simple. I’m extremely happy.

My family has been on Altrua for the last year, and we have been very happy with everything so far. I am saving over $1200/month compared to my old major medical plan, and my experience has been nearly identical. My 3 year-old got sick last weekend, and I was on the phone with a telemedicine provider that had a prescription ready for me within 30 min. I went to the pharmacy to pick it up and paid $1 for a Zpack. The entire experience took less than two hours and only cost me $1.

You had better understand what this does and does not do. As a broker I know first hand all of the options available from ACA to Short Term medical to Indemnity type products and Altrua check the most boxes. This is not for everyone but is a wonderful fit for a healthy lifestyle living family. I have had myself, my wife and four children on this for two years and has worked very well for doctors visits, urgent care, telemedicine and especially prescriptions. This year when I had my first ever experience with herniated disks I had multiple specialist visits and 3 outpatient procedures (epidural injections in my neck). My total out of pocket for $648.00. On a ACA plan I would have been well over $5000 plus the extra $1200 per month that I would paid in premiums. They have had some growing pains but seem be much better now that they have caught up with the growth.

We recently dealt with Altrua regarding a major medical issue. I went to the doctors office for what I thought was a minor problem, which turned out to be a major problem. While at the doctors office, they ended up doing some tests that were an emergency. The doctors office tried to get them approved at the time; however, Altrua denied the tests saying they were not preauthorized.

Afterwards, they tried to get additional testing approved but could never reach anybody that would give them an answer. There is no one in the office that would speak to them and give them a direct answer on future tests.

I also several times received explanation of benefits for other patients at my home.

Altrua is an absolute joke. Their customer service representatives are NOT even close to being competence for their role. Every time I called Altrua to get some clarification on why I haven’t been reimbursed for bills, I got a different story from every representative. This company makes my stomach turn every time I think about how they are dishonest this company is. I actually requested to speak with a supervisor, who promised she would look over my paper work and call me the next day. Do you think I got a phone call back from her, nope. That was the last straw for me. I tell everyone to stay away from Altrua. Onto a different insurance…

We got pregnant in the 9th month of our Altrua membership, even though we had already paid for the 10th month. They said maternity would not be covered b/c you had to be a paying subscriber for 10 months. Which I get and didn’t complain about. The issue came after our son was born. Altrua wouldn’t add him until after we added him. The issue is that you can’t add someone unless you have their SS#. We got his SS# 6 weeks after his birth and then added him. Altrua doesn’t add people until the next billing cycle. So basically Altrua got out of paying for the most expensive medical costs (outside of delivery) part of having a baby, the 3 months after they are born. I wouldn’t recommend this to anyone with a family. They are slow to pay for anything and find a loophole not to pay. I would recommend it if you are single and just looking for something cheap.

This plan only looks good on paper with the “low” cost. Their only goal is to avoid paying anything, even doctors appt’s. Their rules are vague and up to their interpretation which is designed to reimburse nothing. You get a different story with every phone call and the incompetence is unbelievable. One rep will say they received necessary documentation, then when you call 3 weeks later, they say that they never received the documentation and then you have to start all over. When you pay for a doctor visit upfront (since no one in my area will accept this plan to bill), if the office doesn’t give a cash discount, it’s not “eligible” for reimbursement. That’s right, it’s vaguely in their fine print that they ask you to request a cash discount from your doc, but it doesn’t say anywhere that if the doctor refuses to offer a cash discount, then you are ineligible to receive any reimbursement from Altrua. This company is criminal and should be investigated. I’ve been with them for 2 years to avoid Obama’s penalty and had 2 doctor visits partially reimbursed and it took 3 months on average both times. Everything else (annual labs, etc) was 100% out of pocket. I’m telling everyone I know what crooks these people are.

We signed up with Altrua 15 months ago, and we’ve had a horrible experience trying to get a claim from 10 months ago paid. We keep getting the run around. They keep asking for more information, or information we’ve already provided. I am beyond frustrated. Our insurance agent is helping us now.

Horrible company. Due to delays in authorization and suffering excruciating pain I paid for my own MRI. MRI showed multiple herniated disks and several tears. Again, delay delay, delay. I was removed from Pain block and steroid shot procedure three times due to delays in authorization. I am now at week 4 and the latest delay is that Altrua has not received a letter from My Dr stating that my Dr. had not seen me as a patient prior to 2018. WTF?????? Of course my Drs office had sent the requested letter.
DO NOT BUY INTO THIS COMPANY

We’ve had Altrua for over a year and that’s about how long they take to pay for claims. Be prepared to tell your provider’s billers to have the patience of Job b/c Altrua takes F-O-R-E-V-E-R to pay claims or sometimes they don’t at all. Terrible customer service and you can never speak with a manager. We got pregnant in the 9th month but had paid for 10 months of service. You have to be a paying customer for 10 months plus they look at conception date. That stinks but I get it and how they have to set some kind of date albeit 10 months seems a little excessive. But then once we had our baby, Altrua did not start covering expenses until over 4 months. You have to wait to get a social security number then you have to wait a couple of billing cycles before they can add him/her. All around, I would look elsewhere.

After paying my entire premium upfront, Altrua has denied every and all claims submitted for my family. I have been sent to collections for over $40,000 worth of medical bills that should have been paid by any other competent health coverage. Altrua refuses to help their customers, work with the healthcare agencies and I would NOT wish this nightmare of a company on anyone! Do yourself a favor and stay far away from this company!

Avoid this company like the Plague. Horrible customer service. Horrible claims paying. They will give you the run around for every claim, find a reason to deny any claim, and even for the basic office visits, make you jump through hoops to get the Dr’s paid. Do not ever go out of pocket and hope for reimbursement. It can take 6-7 months. One department will tell you a claim has been approved, and two days later, another department will deny the same claim. I know healthcare sucks in the US now for the middle class, but this “company” is not a solution.

We became members in 2016. I was given a permanent waiver on my heart veins due to having two RCA Stents placed in 2011. I was fine with that as my cardiologist assured me I was doing fine and would probably have no issues until 2021 if then. Well, in this coming March I turn 65 and it is not an issue.
However, just before Thanksgiving I ended up in ER with upper abdomen pains. They found I had Gall Bladder issues and CT Scan also revealed an Aortic Aneurism. Long story short had both surgeries, Altrua immediately began negotiations on my bills and are in constant contact with the providers. My cost: $3000 in MRA’s Before I was with Altrua I had Blue Cross with a $3,500 deductible plus coinsurance for $835 a month. Altrua membership is only $420 total monthly for me.
Yes, I am pleased….

I was with Altrua Healthshare for nearly 18 years. This year I had minor surgery on my knee and getting Altrua to pay my bills has been a nightmare. I have been sent to collections 2 times because of their incompetence. I would NOT recommend using Altrua.

My husband and I joined Altrua Healthshare about six months ago. We live in western Colorado, where our insurance broker recommended Altrua as a health share option since many local doctors are familiar with it. We originally learned of health shares through our primary care physician, who is based in Boulder, CO. He advocates for Liberty Health Share, but we wanted to go with a health share that was more familiar to the providers where we live. We were delighted with the affordability of the monthly contributions and liked the idea that we could make our own decisions about health care in terms of the doctors we went to or the treatments we wanted. We don’t have any serious pre-existing conditions and haven’t yet needed to file a claim, however. I have researched health shares online and have heard from my doctor and his staff that health shares in general are a great option. The only people who would not benefit would be someone with cancer or a serious pre-existing condition, since Altrua doesn’t cover that in the first 2 years of membership. If you’re generally healthy, I think it’s an excellent and affordable option.