Common Questions

Is Altrua HealthShare insurance?

Altrua HealthShare is not insurance and Altrua Ministries is not an insurance company. The Membership is a health care sharing ministry that facilitates member-to-member sharing. All Members’ monthly contributions are deposited into an Escrow Account from which all eligible medical needs are shared on a member-to-member basis.

Is Altrua HealthShare legal under The Affordable Care Act?

We are a recognized Health Care Sharing Ministry and members are eligible for exemption from the tax penalty. See Affordable Care Act for more information.

Is maternity included?

Yes! Once you have been in membership for 90 days. The membership shares a maximum of $12,000 in year 1 and $25,000 in years 2+ with a MRA of $5,000. See Membership Guidelines for more information.

How much does Altrua HealthShare cost?

Your monthly contribution will vary based on your age, the number of members in your family and the membership you choose. See Memberships.

Who can take part in the Membership?

Our membership is for anyone looking for health care that shares in our Statement of Standards.

Is a health screening required for Membership approval?

You must meet the criteria on the online application to be qualified for the membership. The criteria can be found in the Membership Guidelines. If, at any time, it is discovered that a member did not submit a complete and accurate medical history on the application, it could result in either a retroactive membership limitation or a retroactive denial to his/her effective date of membership.

Is this a contract or can I quit anytime?

It is NOT a contract. You can choose to quit the membership at any time. All new members pay a $100 application fee and a $25 fee that goes to Altrua Ministries that is not refundable. Altrua HealthShare does request that proper notification be given if a member chooses to quit for any reason. Please see Resources for more information.

What guarantees do I have that my contributions will be used correctly?

Financial integrity and accountability of Altrua HealthShare is very important. What we do is done according to biblical standards for operating and maintaining the highest level of accountability through our auditing procedures and board of directors.

I just got a bill from my provider with no adjustments. I thought Altrua HealthShare was supposed to pay for some of this, what do I do?

If your provider or facility bills you for an amount exceeding the allowed amount for an eligible medical need, you may submit a revised bill reflecting the balance for the remaining amount in addition to proof of payment for any applicable MRA amounts. The Membership will reprocess the eligible medical need according to the Membership Guidelines.

To request eligibility for sharing of your eligible medical needs, you or your provider must send industry standard billing forms (CMS 1500 and/or the most recent UB-04 form) in accordance with the medical needs submission instructions on the Altrua HealthShare App or on the back of your current Member ID card. These forms can be obtained from your provider.

A Needs Processing Form (NPF) and medical records may also be required, depending on the nature of your medical need. Log into your Member Portal and click the Needs Processing Form button to complete your Needs Processing Form.

What do I say to my medical provider when I need medical care?

Members explain to any medical provider that they are a member of a recognized Health Care Sharing Ministry. Show them your virtual membership ID card and explain that your bills should be sent either electronically or by mail as directed on your Membership ID card.

How does my doctor or hospital get paid?

Once your medical provider has properly processed your medical need to be shared by the membership, the medical need is adjudicated and payment is issued through the membership escrow account.

What happens if I have a discrepancy with a non-eligible medical need?

If a need is denied as not eligible, and there is a dispute, the member or any other party may seek reconsideration only through the appeal procedure described in the Membership Guidelines.

Can I be a member of Altrua HealthShare and have medical insurance?

Yes, a member can have health insurance through work or another source. Members can utilize the membership to share in the portion that the health insurance plan does not cover. We will always be the last resort in sharing medical needs.

Do I have to send checks to other members or wait to receive checks from other members?

No, members share in each other’s medical needs through the membership escrow account.

Will my doctor accept Altrua HealthShare?

Yes, we are part of MultiPlan which is a network that the majority of medical providers participate in. If a medical provider is not a part of the MultiPlan network, they should still accept us as your medical sharing of choice. See Affiliated Providers for details.

How do I find an in-network provider/affiliated provider?

As an Altrua HealthShare Member, you have access to one of the largest healthcare networks through MultiPlan/PHCS. The MultiPlan/PHCS network is a network of medical doctors and facilities that Altrua HealthShare utilizes to provide a broader choice of healthcare providers offering discounted services to their members.
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My provider says that they’ve never heard of Altrua HealthShare, what do I do?

Members can explain to any medical provider or facility that they are a participant in the MultiPlan/PHCS Network. Show your provider the Altrua HealthShare Member ID card either from the Altrua HealthShare App or the physical card printed from the App or the Member Portal and explain that the medical need should be sent by the provider either electronically or by mail as outlined by the instructions in the Member Portal. The provider can also go to to submit medical needs.

If your provider will not accept the Altrua HealthShare Member ID card on the Altrua HealthShare App, please ask if they can apply a self-pay discount. You will only be reimbursed for eligible medical needs for the services that were provided. An Advance Opinion for Eligibility may be requested but is not required. Itemized statements must include the following information (at a minimum) for Altrua HealthShare to accept them for review:

  • Provider’s Name
  • Provider’s Tax ID
  • Diagnosis Code (ICD-10)
  • Procedure Code (CPT, HCPCs for REV Codes)
  • Date of Service (DOS)
  • Billed Charges
  • Itemized receipt for Proof of Payment
  • A completed Reimbursement Form

My pharmacy says that they don’t accept Altrua HealthShare, what do I do?

Altrua HealthShare partners with Magellan to offer discount services for both named-brand partners and generic prescriptions. Again, this is a discount program, and the out-of-pocket member costs are not applied towards the Member’s MRA.

Access your Virtual Membership ID Card using the Altrua HealthShare App, or sign into your Member Portal online to print your card. Simply present your Virtual Membership ID card at the pharmacy of choice and get prescriptions processed for any qualifying discount.

Not all prescriptions are eligible for a discount. Mental Health, Birth Control and other ineligible needs are not eligible for discount through our MagellanRX partnership. See Membership Guidelines to check eligibility of discounted prescriptions.

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