This is how altrua healthshareworks: members pay into an escrow on a monthly basis (your monthly premium) and when you receive medical care, the doctor submits a claim to Altrua and Altrua pays the bill. Not everything is covered,
but most basic medical care is, such as doctor visits, childbirth, and prescriptions. his is how Altrua works: members pay into an escrow on a monthly basis (your monthly premium) and when you receive medical care, the doctor submits a claim to Altrua and Altrua pays the bill. Not everything is covered, but most basic medical care is, such as doctor visits, childbirth, and prescriptions.
Altrua Health share Gold and Silver Plans
Six office visits per person per the calendar year are included in the membership. The $35.00 office visit/urgent care MRA must be submitted to the provider and applies to all eligible services received at the time of the visit. Up to $300.00 is shared by the membership for each visit.
Any services contracted to other providers or facilities and visits for maternity needs are not included. Any amount that exceeds the maximum sharing limit of $300.00 is the responsibility of the member and will not be applied to the 1st or 2nd MRA. After 6 office visits, the member is responsible for 100% of all charges.
Altrua Health share Bronze Plan
Six office visits per person per the calendar year are allowed. Altrua HealthShare provides an Explanation of Sharing to the member stating the allowed charges members are responsible for. Up to $300.00 per visit is applied to the 1st then 2nd MRA. Any amount that exceeds $300.00 is not applied to the 1st or 2nd MRA. After six visits, the member is responsible for 100% of all charges. Any services contracted to other providers or facilities and visits for maternity needs are not included.
Health insurance coverage can vary greatly from program to program. Some insurance programs require a large monthly payment in order to be covered. Other insurance programs require the covered person to pay a large co-pay or deductible. Still other insurance programs may require both a large monthly payment and a huge deductible. These expensive monthly payments, co-pays, and deductibles cause some people to stop looking for affordable health insurance. But this is a mistake.
The lack of health insurance can be financially disastrous to any person on any given day. A healthy person could be making a great living and then suddenly be stricken with appendicitis or a similar illness. Without insurance, the medical costs associated with a hospital stay and an operation could absolutely cripple a person’s financial health. That’s why finding affordable health insurance is so important.
Obtaining affordable health insurance becomes even more important when there’s children involved. All parents know that one of the worst feelings in the world is caring for a child that is sick. Parents feel helpless– all they want to do is take the sickness and pain away from their child. How much more stressful everything becomes when there is no health insurance to cover the cost of bringing the child to the doctor. No parent should have to worry about how much money a trip to the doctor or the hospital is going to cost them.
Affordable health insurance should be available to anyone who wants and needs it. Any person looking into health insurance and how affordable it may be must take all factors into consideration. People need to realize that the cost of health insurance isn’t just the monthly fee that has to be paid. The amount of co-pays and the deductibles have to be taken into consideration as well. Not every insurance program is for everyone. One health insurance program may be affordable for a single person but not nearly as affordable for an entire family. Therefore, each program must be examined from the viewpoint of the person and/ or family that needs the coverage. Finding the most affordable health insurance is well worth any time and energy that has to be invested by any person.