Healthsharing Reviews is not affiliated in any way with Altrua Healthshare and Healthsharing Reviews does not endorse any products or services offered by Altrua Healthshare nor is Healthsharing Reviews sponsored in any way by Altrua Healthshare.
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. Our first impressions of the website was “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 we was super impressed with their website, we didn’t feel the same after checking out some of their social media channels. Their Twitter account has only 63 followers, and the last time they tweeted was in 2016. On top of that, their Instagram hasn’t had any activity since January 2021.
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, user-friendly 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. We rarely see other ministries 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 (kinda like a co-share). 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 “Gem” 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 $26–$90 per month depending on your household size. It usually works out 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 a pretty balanced option between the highest and lowest programs. 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 tier option offered by Altrua. Here, the prices are dramatically cheaper than the other plans. For just an individual under 39, the Ruby plan is $184 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 somewhat like other HealthShares—you are responsible for your expenses up to a certain amount. 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 programs that share many of the services that most members will be looking for. They also offer different program levels that 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. What it doesn’t mention is what percentage of needs submitted were considered ineligible, so take that for what you will.
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 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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