1. Altrua healthshare
Update for 2019

2. Is health sharing still a viable option?
As the insurance debacle continues to spiral into the unknown, Health Care Sharing, continues adjust to the needs of consumers that are looking for true alternatives
Health Care Sharing Memberships have grown to almost 2 million members over the past 36 months
Health Care Providers are beginning to take notice of the HCSM services and becoming more and more open to the concept of Health Care Sharing
Financial stability within the HCSM have become stronger then ever before, while providing greater benefits at a 1/3 of what typical marketplace premiums cost
Sharing percentages have doubled over the past several years and in the case of Altrua Healthshare it’s in-house negotiation team saved it’s members in 2017, 81% average on their medical bills

3. Exploring the Altrua Health Sharing Option
Altrua HealthShare has gone through a major transformation to do a better job of handling growth as well as conforming to the needs of the consumer and agents offering the membership plans. To ensure a smoother operation Altrua’s, and its administrative company, Crown Administrators, has implemented the following:
$2 million in systems overhaul, automating all systems
Upgraded enrollment platform directly into our Salesforce system
Building out new claims app system to fully auto-adjudicate
New member portal
Building a member mobile app to launch Jan 1st
Successful monthly member contribution at 98%
Possible commission payouts in 45 days of member effective date in 2019
Removed trip wires in guidelines opening up shared programs
Many more features

4. Affiliated Provider: PHCS network www.multiplan.com
Altrua Membership Types
Monthly Contribution Request for Altrua Standard
Membership Type
Gold
Silver
Bronze
1st MRA*
$500 per person per calendar year
$1,000 per person per calendar year
$1,500 per person per calendar year
2nd MRA* Affiliated Provider and Hospitals
25% of the
next $10,000
Office Visits MRA*
Includes Urgent Care
6 visits per
Calendar year**
Included up to $300 per visit with a $35 MRA for Affiliated Providers
Included up to $300 per visit with a $35 MRA for Affiliated Providers**
Not Available
Telemedicine
Unlimited Usage
Wellness
10 Mental Health, Nutrition and wellness consultation annually
Maternity
$7000 for couples meeting Maternity Requirements
$5000 for couples meeting Maternity Requirements
Prescriptions- Generic and Name Brand
Prescription Program Service
Magellan RX
Annual Maximum Limit
Not Applicable
$250,000
Lifetime Maximum Limit
$2,000,000
$1,000,000
GOLD
Age
Single
Member+1
Family
0-39
$269.00
$403.00
$538.00
40-49
$296.00
$444.00
$605.00
50-59
$363.00
$625.00
$740.00
60-64
$470.00
$820.00
$874.00
65+
N/A
SILVER
Age
Single
Member+1
Family
0-39
$242.00
$376.00
$504.00
40-49
$269.00
$417.00
$551.00
50-59
$336.00
$578.00
$672.00
60-64
$403.00
$740.00
$806.00
65+
N/A
BRONZE
Age
Single
Member+1
Family
0-39
$135.00
$269.00
$370.00
40-49
$202.00
$302.00
$403.00
50-59
$470.00
$504.00
60-64
$336.00
$605.00
$672.00
65+
N/A
*Member Responsibility Amount (Out of Pocket)
**Females 40 and older/Males 50 and older get 1 additional office visit for wellness screenings
Affiliated Provider: PHCS network
(Limitations & Pre-X do not apply to office visits)
If your family is larger than five, add $50 more for each additional family member.
If husband and wife are both participating, “head-of-household” is based on the older spouse’s age.

5. Altrua Copper Plan ($7,500 MRA)
Single
Member + 1
Member +2*
Monthly Membership Contribution
$100.00
$150.00
$200.00
1st MRA
$7,500 per member per calendar year
Annual Maximum Limit
$150,000
per member
Office visit/Urgent Care
Maximum $300 counts toward MRA or Shared
Telemedicine
Unlimited Usage
Wellness
10 Mental Health, Nutrition and wellness consultation
Maternity
n/a
Lifetime Maximum Limit
$1,000,000
Prescription discount plan
Magellan RX
Name Brand and Generic
No age banding for Copper Membership
$100 application fee for Copper Membership. Ministry Fee of $25 and annual membership fee of $100 applies to Copper Membership
Dependents over 23 must apply for individual plan
All eligibility, guidelines and Statement of Standards apply
Each additional member is $50 per month

6. Altrua vs. Typical Insurance
Average Premium Cost family for a family of 5: $1675 monthly
Altrua Contribution cost family of 5: $538 monthly (Gold Standard)
Here is how Altrua is able to save money:
Instead of taking a profit like Major Medical insurance Altrua is a coop with no profit: Savings $500
We reduce the cost of healthcare by admitting new members with a healthy lifestyle: Savings $200
We reduce the cost of healthcare by pre selecting facilities that charge a reasonable fee: Savings $200
We reduce the cost of healthcare by negotiating claims, with an average discount of 86%: Savings $300

7. Plan Changes
Altrua Healthshare is moving to the full PHCS network and no longer just the Practitioner network. This opens up a tremendous number of providers for the members.
Adding influenza immunization for all membership plans up to $ reimbursements per immunization
Member must be active for 12 consecutive months, death certificate, official cause of death and must be eligible under the Membership Guidelines, Proof of payment up to the maximum sharing limit of $5,000 per household or member.
Added a wellness partner that will allow 10 visits for mental health, counseling, weight management, etc. that Altrua does not share in. This will be a good marketing tool for pushing a healthier mind and body. Will include discounts for vision and dental. And be included in all plan types.

8. Plan Changes
Include Recreational in certain membership plan types: The Recreational Limit includes eligible medical needs arising from interscholastic, intercollegiate, and community- or church-organized team sports or programs and extreme sports. $25K on the Gold and $15K on the Silver annually.
Include Occupational in certain membership plan types: The Occupational Limit includes sharing of medical needs related to income-producing or work-related activities up to a cap for each plan. $15K on the Gold and $10K on the Silver annually.
Adjustments to verbiage in Statement of Standards
Remove Fulltime Student and Fulltime Service Volunteer status requirement as of 1/1/19 and allow up to 23th birthday
Group enrollment and plan in conjunction with McGriff (formally Regions Ins) group to exempt employer

9. Memberships are Available in all 50 states and US territories