Health Sharing organizations have been around since the mid 1980s and are an attractive option for people looking for an alternative to ObamaCare or traditional health insurance, most often at a fraction of the cost!  

Lock into a stable plan today to keep long term through the craziness of ObamaCare and say Good Bye to Open Enrollments forever!

My Health Share option through Altrua looks and feels most like traditional health insurance and is available to anyone NATIONWIDE!
-Chad

A HEALTH SHARE PLAN MAY BE A GOOD OPTION IF:

• You have individual or employer health insurance, but the monthly premium cost is eating you up
  
• Your deductible and coinsurance gaps stop you from getting care
• You're tired of Government interference and mandates
• Your beliefs and faith have been challenged by the Affordable Care Act
• You want to be rewarded by leading a healthy lifestyle.
  

ADVANTAGE AND DISADVANTAGES OF ALL HEALTH SHARES:

​Here are some of the main advantages 

There are many reasons people opt to join a health sharing instead of purchasing traditional health insurance (on or off the Obamacare Marketplace). Here are some of the main advantages these plans offer:

• ​​​Lower monthly payments. Simply put a Health Share Plan is less expensive. New members answer health questions and agree to lead a healthy biblical lifestyle.  Current and new members are protected from the adverse selection of Guaranteed Issue ObamaCare plans.
• Members are exempt from the Obamacare penalty.  If you participate in a qualified health sharing ministry, you are exempted from the “individual mandate” in the Affordable Care Act, so there are no fines for not having insurance.
• Networks are less important. Some Health Shares have no network affiliations at all, meaning you’re free to choose your doctors and hospitals. Some, like my Altrua offering, have negotiated better payment arrangements with a network of providers, so you’ll have less out-of-pocket costs with those providers.
• You can enroll anytime. You are not limited to an annual open enrollment period.
• Lower out-of-pocket costs. In most cases, the level at which sharing begins is lower than a typical insurance deductible. And because members are considered self-pay patients, many doctors and providers will give you lower prices upfront. Ask any provider and they'll tell you they don't like working with insurance companies!
• Conscience issues. Some people are motivated by the biblical mandates these organizations express. They also appreciate that their contributions are not used to support lifestyles or practices that are contrary to their biblical convictions (such as abortions or abortifacient drugs).

HERE ARE SOME CONSIDERATIONS TO KEEP IN MIND ABOUT ALL HEALTHSHARES

While there are a number of advantages, you need to be aware of how they work so you can make an informed decision.

• You are ultimately responsible for all payments. These organizations do not provide legally guaranteed benefits in the same way that you have with an insurance policy (a legal contract). Now, most sharing ministries have been around for a long time and have stellar track records that demonstrate their members are truly committed to each other. Just know there’s no legal guarantee.
  
• You won’t have all of the same benefits. Each Health Share has it’s own plan and approach to what is shared and what is not. For example, many do not share any routine care (preventive care or basic doctor visits). You may not have an office visit copay. Mental health benefits are quite different. But remember, a typical family may save $500 per month over ObamaCare!
  
• Pre-existing conditions and health history matters. In most cases, a pre-existing condition will not be covered by a Health Share, at least not at first. Some Health Shares will assign you a higher contribution level based on health or weight factors. Some may put a temporary restriction for, say, a couple years.  Some may not accept you as a member at all if the risk is too great.
  

WHY ALTRUA HEALTHSHARE:

Altrua HealthShare offers a very robust sharing program that serves the needs of hundreds of thousands of people.
Here are a few more details that make Altrua HealthShare attractive:

• Altrua’s statement of standards. In sharing ministries, members typically must sign on to a statement of faith. Altrua is unique in that members sign a simple “Statement of Standards” that involves lifestyle choices that are consistent with the Bible, but does NOT require any kind of theological agreement or pastoral oversight.
• Streamlined administration. Unlike most other ministries, Altrua members do NOT mail monthly checks directly to other members. Instead, they are mailed directly to Altrua, who places them in an escrow account from which sharing is dispersed to those with needs. This also means that those receiving funds will get them more quickly and efficiently (i.e. not as much lag time between the need and the payment).
• The ID card. It seems like a small thing, but Altrua members have an ID card that instructs providers how to process and file their charges directly with Altrua. So members don’t have to handle the paperwork load on their own, as they do in some other health sharing organizations.  Click HERE to see Altrua's ID Card and compare it to the health insurance card you currently have!
• Network savings. Altrua gives members access to the large PHCS network of providers for additional savings. While members are NOT required to remain in this network, their out-of-pocket costs are lower if they do.

We’re apparently not the only ones who like Altrua. So do it’s members.
In fact, Altrua has an amazing 98% member retention rate! ​

ALTRUA NATIONWIDE PLAN DESIGNS AND CONTRIBUTIONS:

Affiliated Provider Link: PHCS network www.multiplan.com
See Member Guidelines for all details and limitations.

NOTE:  There is a one time only $125 application/donation fee due when you enroll, and a $100 annual membership fee beginning year two.

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Ready to enroll now and don't want to wait? Self enroll today:

enroll in altrua health share

I still have a smile on my face and a tear in my eye because of the cost reduction! This has set us free ! Saving us $325.00 per month!! My goodness we needed this so bad!!! I am telling everyone I know that YOU are the person to go to for help. Again our MANY MANY THANKS!! 
Happy New Year! 
​L.J. Smith  
​Auburn, NE

Thanks very much for your help. Lots of prayers this past week.  Really appreciate how much time you have spent helping me and my family with medical insurance and medicare this year.  Again can't say Thanks! enough.
​ J.H.
Syracuse, NE  

It has been wonderful to work with you & I would recommend you to anyone! 
-S.D.
Syracuse, NE  

Thank you so very, very much for your knowledge and assistance. Best wishes to you.  I do have a lot of friends and family in Lincoln and surrounding areas and I will sing your praises at every opportunity!
-Beth S
San Rafael, CA