In light of astronomically rising traditional health insurance costs, you’ve already made the jump or are considering moving over to a health share. A health share is a community of like-minded people who share in one another’s eligible medical needs. Health shares are different from traditional health insurance, and in the case of Altrua HealthShare, offer an affordable, flexible, and customizable approach to your health care. 

With Altrua HealthShare, you’ll find a term called MRA. If you’re already a Member, you’re likely familiar with those letters and what they mean. It stands for Member Responsibility Amount, and your ability to determine what amount you’d like your MRA to be goes a long way in helping you take financial control back over your health care costs.

An MRA, Member Responsibility Amount, is the amount you are responsible for paying toward eligible medical needs before the Altrua HealthShare Membership begins to share in your costs. It resets at the start of each calendar year. 

In this way, you can think of the Altrua HealthShare MRA as your known financial starting point. It’s a clear threshold that tells you exactly where your initial costs resolve and your community sharing begins.

Let’s take a closer look at the MRAs for various membership levels:

For GEMS Members, your MRA is determined by your membership tier:

  • Diamond: $500 per person, per calendar year
  • Emerald: $1,000 per person, per calendar year
  • Sapphire: $1,500 per person, per calendar year
  • Ruby: $7,500 per person, per calendar year

For MyShare Members, you buildyour own MRA at enrollment. MyShare allows Members to select an MRA anywhere from $0 to $10,000 (in $1,000 increments) per active Member, per calendar year. This gives you significant control over how you balance your monthly contribution against your out-of-pocket threshold.

How Do Office Visits Work with Your Chosen MRA?

This is where understanding your membership type really pays off.

💎 💚 GEMS Diamond and Emerald Members pay a $35 office visit MRA directly to the licensed medical professional at the time of each office, specialist, or urgent care visit. The Membership then shares up to $300 per eligible visit. Please note that the $35 office visit does not apply toward your Member MRA; it is a separate amount for the visit itself.

🔷 ❤️ GEMS Sapphire and Ruby Members submit the full or discounted charges to the provider. The Membership allows up to $300 per visit to be applied toward your MRA.

For all GEMS Members, each family member or dependent is allowed any combination of six office, specialist, or urgent care visits per calendar year. Importantly, those allotted visits can be pooled and shared across all active Members on a combined membership, so you and your family can be strategic about where those visits go.

🫂 MyShare Members can choose from one to ten office visits per active Member at the time of enrollment. Additionally, you can also pool those visits across family members included in your membership.

When You’re Not Sure: Advance Opinion for Eligibility

When it comes to meeting your MRA and any questions you might have about what medical needs will be shared in, you can always request an Advance Opinion of Eligibility. This can help clarify where you are at with your MRA for the year and what procedures, visits, and other costs are eligible for sharing by the Membership. 

For procedures with a billed amount of $5,000 or higher, Altrua HealthShare also offers medical needs negotiations, working with providers on your behalf to reduce what the Membership is ultimately asked to share. This, along with the Members’ commitment to healthy living,  is one of the core features that allows your Altrua HealthShare membership to be up to 50% lower than traditional insurance costs.

Ready to learn more about this innovative, affordable, and flexible approach to your healthcare needs? Contact us at Member Services (1-888-244-3839) for more information about how Altrua HealthShare could be the right fit for your family!

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