Altrua HealthShare and Pre-Existing Conditions

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What is Considered a Pre-Existing Condition?

Altrua HealthShare defines a pre-existing condition as an illness or medical condition for which you have received medical advice or treatment at any time during the ten-year look back period preceding your membership effective date that would result in a two-year, five-year or lifetime limitation.

Altrua HealthShares states that “if the need is related to a pre-existing condition or limitation, it is unlikely it will be eligible for sharing.”

Altrua HealthShare’s Limitations for Pre-Existing Conditions

Here is a list of the two-year, five-year, and life-time limitations for pre-existing conditions at Altrua HealthShare:

Two-year Limitations:

Addison’s Disease
Angina Pectoris (stable or unstable)
Asthma
Benign Prostate Hyperplasia
Calcium Deficiency
Calculus of Kidney (Kidney Stones)
Cardiac Dysrhythmias
Carpal Tunnel Syndrome
Cataract
Chronic Kidney Disease
Coronary Artery Disease
Cushing’s Disease
Endometriosis
Epilepsy
Gallstones
Glaucoma
Grave’s Disease
Hashimoto’s Disease
Hemorrhoids
Hyperglycemia
Hyperlipidemia
Hypertension
Hyperthyroidism
Hypothyroidism
Iodine Deficiency
Malaria
Migraines
MRSA
Osteoarthritis
Osteoporosis
Ovarian Cysts
Pelvic Inflammatory Disease
Polycystic Ovary Syndrome
Prolapsed Bladder
Pulmonary Hypertension
Radiculopathy
Rectal Prolapse
Rheumatoid Arthritis
Scoliosis
Shingles
Sleep Apnea
Spinal Stenosis
Spondylosis
Tendinitis
Tuberculosis
Type II diabetes
Uterine Fibroids
Uterine Prolapse
Vitamin A Deficiency
Vitamin B 12 Deficiency
Vitamin D Deficiency

Five-year Limitations:

Barrett’s Esophagus
Bell’s Palsy
Cancer
Cerebral Ataxia
Celiac Disease
Crohn’s Disease
Cirrhosis
Congestive Heart Failure (CHF)
Deep Vein Thrombosis (DVT)
Degenerative Disc Disease
Diverticulitis and Diverticulosis
Dysphagia
Embolism
GERD (Gastroesophageal Reflux Disease)
Heart Murmur
Heart Palpitations
Heart Valve Disease
IBS (Inflammatory Bowel Disease)
Marfan’s Syndrome
Meningitis
Mitral Valve Prolapse
Pancreatitis
Peripheral Vascular Disease (PVD)
Psoriasis
Sjogren Syndrome
Surgery
Systemic Lupus Erythematosus
Ulcerative Colitis
Vitiligo

Lifetime Limitations:

ALS
Alzheimer’s Disease
Aneurysm
Autism Spectrum Disorders
Cerebral Palsy
Chronic Obstructive
Pulmonary Disease (COPD)
Cystic Fibrosis
Dementia
Diabetes Type I
Down’s Syndrome
Ectasia
Emphysema
Fragile X Syndrome
Fibromyalgia
Hepatitis (Chronic Viral B & C)
HIV/AIDS
Lupus
Lyme’s Disease
Macular Degeneration (wet or dry)
Morbid Obesity (pending weight loss)
Multiple Sclerosis
Muscular Dystrophy
Parkinson’s Disease
Sickle-Cell Disease
Spina Bifida
Typhoid

Source: Altrua HealthShare Member Guidelines

Be sure to check out Altrua HealthShare Reviews to learn more and read member’s reviews!

Health shares are not insurance and do not offer insurance coverage. Membership in a health share does not guarantee the payment or reimbursement of medical expenses. Each organization operates under its own membership guidelines, which determine what expenses may be eligible for sharing. This publication is for informational purposes only and is not provided by an insurance company. For state-specific notices and full program details, please visit the respective health share’s official website.