These days, it’s no secret that traditional insurance costs are sky-high. And unfortunately, those who cannot afford health insurance through the marketplace may find themselves penalized come tax time as a result. It can be a vicious cycle. Here at Altrua HealthShare, we believe in our faith-based approach to healthcare as an alternative to traditional insurance options. In fact, Altrua HealthShare was formed as a means of providing hard-working people with the protection they need at an affordable price. We truly subscribe to the idea behind Galatians 6:2: “Carry each other’s burdens, and in this way you will fulfill the law of Christ.”
How Altrua HealthShare Differs From Traditional Insurance
First of all, Altrua HealthShare is not an insurance company; instead, we represent a community of members that contribute monthly share amounts into an escrow account designed to help share the financial burdens of medical needs for other members. To this date, no legitimate and eligible medical cost has gone un-shared by the Altrua HealthShare membership.
What this means for our members is that they get to enjoy the peace of mind they need for themselves and their families without the high costs and premiums associated with a “typical” insurance plan. Not to mention, we’re a recognized Health Care Sharing Ministry (HCSM) under the Patient Protection and Affordable Care Act, which means our members are exempt from shared responsibility penalties come tax time.
Furthermore, unlike other health sharing ministries, we operate from a statement of standards rather than a statement of faith. We also manage member funds in a designated escrow account. As a result, we’re able to send payment to providers on behalf of the membership for all eligible medical needs according to the member guidelines.
Becoming a Member
Whether you’re tired of paying high insurance premiums or simply want to become involved in a more faith-based approach to healthcare, we encourage you to explore Altrua HealthShare as a viable option today. All we require is that our members lead a clean, healthy lifestyle according to their personal faith and convictions, and that members do not share in one other’s unhealthy habits. Our members lead a spiritual lifestyle according to their own convictions and are extremely invested in their personal health and wellness. Members consist of those who are newly married, families or individuals looking for a viable health care option, whereas others are young adults in their 20s who have recently been dropped from a parent’s insurance coverage.
The idea of saving money on premiums by utilizing Altrua HealthShare is appealing to many people. However, those who are accustomed to health insurance may think that being a “self-pay” patient would make health care expensive and the process too overwhelming. That’s why we have put together a brief guide explaining self-pay through Altrua HealthShare. You will likely find that the process is a positive experience—like our current members do.
Self-Pay Allows Escape from Bureaucracy
When you utilize health insurance, your medical choices are constantly under scrutiny from the insurance company. Even if you (and your doctor) feel you need a particular test or procedure, if insurance doesn’t approve it, you are out of luck. Plus, the insurance company and the government are fully involved in all decisions you make regarding your health and that of your family. On the other hand, choosing self-pay puts you in control. You and your doctor make the choices—not the bureaucracy.
Save Money as a Self-Pay Patient
While you know there are savings for choosing Altrua HealthShare versus traditional insurance premiums , you may think that your out of pocket costs for medical treatment would be much higher. In reality, if you do your research and check out the options, you may find many health care costs are actually lower as a self-pay patient—especially when you have a health sharing membership too. Certain doctors and facilities are better equipped to handle self-pay patients and may even give you a discount versus the insurance patient price.
With Altrua HealthShare, You’re ACA-Compliant
In the past, being a self-pay patient was a choice you were able to make for yourself. However, with the passage of the Affordable Care Act (Obamacare), now you must have insurance to avoid paying a penalty on your taxes each year. Luckily, having a faith-based health sharing program, like Altrua HealthShare will make you and your family ACA-compliant. Self-pay is, once again, a possibility.
If you’re ready to investigate exactly how Altrua HealthShare can benefit you and your family, reach out to us for more information. Our health sharing experts will be happy to explain how the self-pay concept and our health sharing program can help save you money and make healthcare simple for your family once again.
Altrua HealthShare is an innovative and faith-based health sharing organization that provides an opportunity for people to come together with the same faith and mentality while providing a way to share healthcare needs. While it is not health insurance, Altrua HealthShare provides a method for its members to receive the medical care they need and want in a manner that is affordable.
Because no two member’s situations are the same, Altrua HealthShare offers 4 different membership types. The different memberships encompass different levels of sharing as well as different expected contributions. In addition to your age and the number of people who are participating in your household, the type of membership you choose determines the amount of your monthly contribution.
Members of Altrua HealthShare all share in both the benefits and the responsibilities of their own good health — as well as the health of the other members. This is covered under the Altrua HealthShare Statement of Standards. The Statement of Standards is in place to protect the integrity of the members as well as their short and long-term health.
Altrua HealthShare offers Americans choices when it comes to their health care and medical needs within our health sharing membership. Altrua HealthShare offers a viable, faith-based option that provides your church with the flexibility they need with an aim toward great care while also supporting the community within your church as well.
There may be some reasons to feel uncomfortable about the insurance mandate in the Affordable Care Act. Some people feel like they are unfairly pushed to purchase a product that they do not want or need. Others feel that, through group insurance, they are forced to throw in their lot with people who do not share their values in areas like contraception or who engage in damaging activities like drug use.
The idea of paying a significant tax penalty for not buying a product can be discouraging. And, it is only prudent to have a plan in place to protect your family in the case of a medical emergency. HealthShare memberships are an option that can help address both issues in a way that is compatible with Christian values. Members of Altrua HealthShare can are exempt from the Affordable Care Act’s non-coverage penalty. And, if disaster strikes, members are protected by the contributions of a nationwide community of like-minded individuals.
What Happens When You Have a Medical Emergency?
When you are a member of a HealthShare, individual members can pay small healthcare expenses out-of-pocket. Medical cost sharing plays a big role when life throws larger medical expenses and issues into our paths.
Each month, Altrua HealthShare members send contributions, which are put into an escrow account. When you visit a healthcare professional after suffering an injury, illness or other medical emergency, you simply present your Altrua HealthShare member ID card. Your provider will use the instructions on the back of the member ID card to submit the medical need to the membership for sharing. After that, shareable medical costs are handled through the escrow account. Since our group’s inception, we have shared all eligible medical expenses according to our member guidelines and escrow instructions.
Because members are technically considered self-pay patients, they have a greater degree of freedom than people who use many insurance providers. Members can choose their own healthcare providers. There is none of the red tape and lack of choice that is common in traditional insurance arrangements.
Are you a person of faith seeking a community of like-minded individuals to share Christ’s love through Health Sharing? Contact us today to learn more about the benefits of Christian health care cost sharing.
The Affordable Care Act, also known as Obamacare or HR3590, is a healthcare program that was signed into law in March of 2010 and was fully implemented over the next few years—finally reaching full immersion in 2015. The ACA is a complicated piece of legislature—2,409 pages, in fact. As such, understanding everything can be difficult. We’ve broken down the 10 “Titles” that make up the document. Reading these gives you a better idea of what the ACA is supposed to do for America.
Title I – Quality Affordable Health Care for All Americans – This title is the “central” section covering health insurance. Essentially it states that you can’t be turned down for coverage because you have an illness, it states that everyone must have coverage, and people who are at less than 133% of the poverty level will receive help paying for insurance.
Title II – Role of Public Programs – This section discusses how Medicaid, Medicare, and other public programs work with the new ACA system of insurance.
Title III – Improving Quality and Efficiency of Health Care – This section is less-discussed but is one of the most exciting parts for the average American. It discusses how healthcare is delivered and what changes need to be made.
Title IV – Prevention of Chronic Disease – This discusses the epidemic of certain chronic conditions and how preventative medicine can be an important tool in stopping it.
Title V – Health Care Workforce – This section discusses the lack of medical professionals in the nation, particularly those serving primary care needs.
Title VI – Transparency and Program Integrity – This is a section dedicated to reducing insurance fraud and abuse.
Title VII – Improving Access to Innovative Therapy – Although the segment sounds complicated, it is actually about making generic medications more accessible and affordable.
Title VIII – This section has not yet been implemented and likely will not in its current state. It was a plan to create a federally funded insurance program for long-term care.
Title IX – Revenue Provisions – This section attempts to explain how the government will pay for all of the services offered with the Affordable Care Act.
Title X – Strengthening Quality Health Care for All Americans – This section is in some ways an addendum to the first. It offers different programs and ideas for health insurance in the country.
Now, while the ACA has been implemented, it is still being adjusted. The details change a bit from year to year, and many people who are unhappy with the options available to them are thinking outside the box—looking at health sharing, for instance. While the ACA has requirements in place stating that individuals and families must have insurance, there are exemptions available. One such exemption is for faith based health sharing. Since these programs offer many of the same benefits of insurance (while still offering lower costs), those who are signed up with approved health sharing programs are exempt from the insurance requirements under the Affordable Care Act.
If you would like to learn more about health sharing ministries and how health sharing can be a potential alternative to standard insurance, contact us at Altrua HealthShare. We would love to show you ACA – penalty exempt faith-based health sharing memberships that may be a good choice for you. To learn more about how a health sharing program works, visit us at altruahealthshare.org/how-it-works
As you review all of the insurance choices available to you and your family, there is one non-insurance option that you should give some serious thought—Altrua HealthShare.
What is Altrua HealthShare?
Altrua HealthShare is an affordable alternative to traditional insurance. Members of Altrua HealthShare send in a monthly contribution which is placed into an escrow account. Altrua HealthShare is the escrow agent and manages the member’s monthly contributions and distributes payment from the escrow account to providers for eligible medical needs submitted to the membership.
What are the Advantages of Altrua HealthShare?
Join at Any Time — Enrollment into the Altrua HealthShare program is available year-round.
Statement of Standards — The members of Altrua HealthShare commit to honoring the Statement of Standards which provides the members reassurance that their contributions are not going towards unhealthy lifestyles or for things that continue to drive up the costs of traditional health care plans.
Affordable to Members — The cost of traditional insurance is so unaffordable for most individuals and families. In most cases, monthly contributions are lower than what you would pay for traditional insurance. This can be a significant savings that allows you to budget for other things that matter to you and your family.
Membership Options to Choose From — Members can choose the right membership to fit their budget and family needs.
Members Are Exempt from ACA Penalty — Members of a recognized Health Care Sharing Ministry are exempt from the mandate to purchase health insurance or face financial penalties. Enrollment with a recognized Health Care Sharing Ministry removes your requirement under the healthcare mandate to purchase health insurance and also removes the penalty
Once you understand the many advantages of health care sharing, you may be interested in learning more about how to enroll in such a program. Altrua HealthShare is a nationwide faith-based health care sharing program that offers the many advantages above—as well as other distinct benefits. If you would like to learn more about the excellent opportunities available to you, contact Altrua HealthShare for more information. We would love to help you take charge of you and your family’s future health care needs.
Each month when you sit down to pay your bills; you may look for ways that you can cut down on some of these so-called fixed expenses. It’s often easy to choose a smaller channel line-up to reduce your cable bill or drop that extra home phone line to cut back on your phone bill. However, there is nothing you can do about your health care premium—or is there? Actually, there is an alternative.
Consider Health Sharing with Altrua HealthShare
Altrua HealthShare is a faith-based health care sharing ministry that members share in each other’s medical needs. This program is available throughout the United States. The first thing to note is that members of Altrua HealthShare are exempt from the penalty mandated by the Affordable Care Act (Obamacare). Therefore, you can safely enroll with no worries about a non-payment penalty. Secondly, using health care sharing is simple. You can use this program with many local doctors and even in the emergency room if you have an unexpected medical situation. From your perspective, a HealthShare membership is not much different than a typical health care policy.
Save Money while helping others
One primary advantage of the Altrua HealthShare membership program is that those outrageous health care premiums you’ve been paying are a thing of the past. Instead of a premium each month, members of a health sharing program give a contribution to help others with their health care needs as others help you with your health care. This contribution is often significantly less than a typical health care premium would be.
The worry that many have regarding a health sharing program is whether they will have the financial assistance they need when a medical problem does arise. An enormous advantage of Altrua HealthShare is that the ministry operates with a “Statement of Standards” rather than a Statement of Faith—like some of the faith-based health sharing ministries. What this means for you is that it is easier to get approval on eligible medical needs submitted and there is less red tape. Additionally, since the contributions are held in an escrow account and share amounts are distributed from the escrow account to providers, this process is handled more quickly and efficiently.
If you are interested in helping other’s while reducing your health care expenses, contact us at Altrua HealthShare. We would love to discuss our faith-based health care sharing ministry with you and help you decide if Altrua HealthShare is the right choice for you and your family.
With all of the recent changes in healthcare (many of which have made it more difficult for the average person to get the insurance coverage they require), more people are searching for alternatives to traditional health insurance. One such alternative is a faith-based Health Care Sharing Ministry or as some may call, a health sharing organization. While this sounds like a very positive thing, many people do not know exactly what a Health Care Sharing Ministry is. Allow us to explain the basics, so you can decide if a faith-based Health Care Sharing Ministry like Altrua HealthShare is the right choice for you and your family.
Health Care Sharing Ministry is Similar—Yet Different
In some ways, Health Care Sharing Ministries are similar to traditional health insurance. After all, when a member of a faith-based Health Care Sharing Ministry needs medical attention, they present their member ID card to a medical provider and the Health Care Sharing Ministry members share in the medical needs according to the membership guidelines. However, the way a Health Care Sharing Ministry is structured means that the program is often much more affordable for the members because the program doesn’t share in some of the things that traditional insurance pays for.
The Difference Between Insurance and a Health Care Sharing Ministry
Instead of paying a premium each month, the members of a Health Care Sharing Ministry send in a contribution amount. This contribution is held in an escrow account by the organization and then it is distributed to the providers when the members have a medical need. Health Care Sharing Ministries do not have the high administration costs like traditional insurance companies.
For many people, having an alternative to traditional insurance can make a big difference in their personal finances and quality of health care. However, it is important to remember that each of the Health Care Sharing Ministries operate a little different. Altrua HealthShare is a faith-based health sharing organization quite unlike anything else out there.
What Makes Altrua HealthShare Unique
So, why should you consider Altrua HealthShare as the faith-based health sharing program for you and your family? Here are three reasons—for starters.
Members can use Altrua HealthShare at a vast number of doctors, hospitals and ER facilities.
Monthly contributions are more affordable than typical health insurance premiums.
Members share in one another’s medical needs according to the Statement of Standards and membership guidelines.
While we’ve explained the basics of what a Health Care Sharing Ministry is, the concept can take a little getting used to. If you would like to talk to an expert about the subject, why not reach out to us at Altrua HealthShare today? We would love to help you understand our program and show you how it can be the right choice for you and give you the peace of mind you deserve.
At first thought, the Affordable Care Act (ObamaCare) sounds like it would be a very good thing for many people. After all, it should be a way to assure that every family has healthcare. Unfortunately, the way it has worked so far means that healthcare isn’t always affordable—even for families that had insurance or other coverage in the past. Plus, with the penalties for non-coverage in place now, the ACA can be a pretty scary thing for many people. Luckily, there is, at least, one ObamaCare alternative that can often be more affordable without compromising care.
Faith-Based Health Sharing
Instead of paying money in premiums every month to an insurance company, wouldn’t it be nice to contribute to a faith-based organization that share’s in each other’s medical needs—as members need it? That’s how Altrua HealthShare works. Each month you send in a contribution and then when you need help with a medical situation, other member’s contributions go to share in your medical need. There is a community-like feel that you simply do not find with any type of traditional insurance program.
An ObamaCare Alternative
One of the best things about Altrua HealthShare is that it is an accepted alternative to Obama Care. This means that you do not have to worry about being hit with fines or penalties for not having healthcare coverage. After all, you are covered. Just because you are choosing an alternative form of healthcare coverage, you are still protected and following the letter of the law. This gives you a high level of confidence and allows you to feel good about what you are offering your family.
Affordable and Convenient
For many, Altrua HealthShare is significantly more affordable than a traditional insurance policy. Plus, you will be in the Altrua HealthShare “family”. This means that it’s easy for you to find a provider that accepts our coverage, and you have the very best customer service staff available to you anytime you need it.
Here at Altrua HealthShare, we are proud to offer a true Obama Care alternative to families just like yours. If you would like to learn more about our program and find out if it could be the solution you have been searching for, call or contact us today. We look forward to helping you and your family navigate the world of healthcare today.