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In this post, I am going to do a comparison of Altrua Healthshare and OneShare Health.
I will go over member responsibility amounts (what member’s pay before the community shares in any medical bills), monthly costs (this is dependent on age, individual/family memberships, and the Member Responsibility amount you choose), preventative sharing, pre-existing conditions, maternity, turnaround time to pay medical bills, and any special considerations to be aware of.
Member Responsibility Amounts
Altrua Healthshare Member Responsibility Amount (MRA): For the first MRA, it is $500 (Diamond Plan), $1000 (Emerald Plan), $1500 (Sapphire Plan), or $7500 (Ruby Plan). For the second MRA: If the member is on the Ruby Plan, the member is responsible for 50% of the next $10,000 per member ($5,000 maximum) if the licensed medical professional/facility is non-affiliated. If the member is on the Sapphire, Emerald, or Diamond Plan, the member is responsible for a maximum of $2,500 to the licensed medical professional/facility (maximum of $5,000 if Medicare Plus 25% isn’t accepted and licensed medical professional/facility is non-affiliated).
OneShare Health Individual Sharing Amount (ISA): OneShare Health has three levels of personal responsibility amounts: $5,000, $7,500, and $10,000. This is the amount the member would need to pay before the OneShare Health community would share in any medical expenses.
Monthly Contribution Price Range
Altrua Healthshare: $105 to $900
OneShare Health: $115 to $1,750 (plus $50 for each child after the first three)
Statement of Faith
Altrua Healthshare:Must agree to a “Statement of Standards” – These are based on ethical and religious beliefs, including no sexual relations outside of marriage.
OneShare Health: Must agree to their core biblical principles. The HealthShare is based on the Anabaptist Faith.
For more detailed information on faith-based requirements, please read this post about Christian HealthShare Plans.
If you prefer a HealthShare that has no religious requirements, please read my post about Non-Religious HealthShare Plans.
Preventative Sharing
Altrua Healthshare: Emerald and Diamond plans allow members to go to an annual wellness visit. Members would need to pay $35 and the visit is shareable up to $300.
OneShare Health: For the Catastrophic Plan, there are no preventative treatments shared with members. For the Classic and Complete Plans, there is a 90-Day Waiting Period, excluding Immunizations, for Preventive Services and one (1) Wellness Visit per Member per Program Year.
For out-of-network Preventative Services, Primary Care Physician, or Specialists, 50% is shared after the member pays their ISA. For in-network Preventative Services, they will share up to $1,000. For a Primary Care Physician there is a $20-$50 visit fee. For Specialists, there is a $75-$125 visit fee.
Pre-Existing Conditions
Altrua Healthshare: There is a 2-5 year waiting period, depending on what the pre-existing condition is.
OneShare Health: There is a 24-Month Waiting Period for Pre-Existing Conditions. However, Routine Maintenance is available through PCP, Labs and Specialists Visits on the Classic and Complete Program for the following conditions: Diabetes 1&2, High Blood Pressure, High Cholesterol, and Thyroid.
For more detailed information, please read my post about How The Top HealthShare’s Handle Pre-Existing Conditions.
Maternity
Altrua Healthshare: Members must be married in order to have maternity and newborn needs shared. The lower cost plans (Ruby and Sapphire) do not share in any maternity needs. Whether you are on the Emerald or Diamond plan, the member would need to pay a $5,000 member responsibility amount for maternity needs.
OneShare Health: For the Catastrophic Plan, there is no sharing available for Maternity needs. On the Classic and Complete Plan, members would need to pay their Individual Sharing Amount (ISA). OneShare will share up to $5,000 for a natural delivery, up to $8,000 for a c-section, and up to $50,000 if there are complications.
Feel free to learn more at The Top HealthShare’s Maternity Benefits (Comparison Guide).
Turnaround Time for Paying Medical Bills
Altrua Healthshare: 30-45 business days
OneShare Health: 21 days
Considerations
Altrua Healthshare: There is a lifetime limit of $2 million per member.
OneShare Health: After members pay their Individual Sharing Amount (ISA), which can be $5,000, $7,500, or $10,000, the HealthShare has limits on how much they would share. For example, a hospitalization can cost a member their Individual Sharing Amount plus 20% to 40% of the medical bills, depending on which program you choose. For larger unexpected medical expenses, this can add up quickly for their members.
Maximum Limit Per Incident: $150,000 / $250,000 / $500,000 (depending on which program you choose)
Lifetime Sharing Maximum: $300,000 / $500,000 / $1,000,000 (depending on which program you choose)
Which Health Share Plan Should You Join?
Choosing a Health Share plan is a very personal decision. Feel free to check out Altrua HealthShare Reviews and OneShare Health Reviews. I provide a lot more information on each Health Share and you can read reviews from other members.
There are so many different Health Share plans to choose from, which is great, but it can also be overwhelming! To help narrow down your choices, I wrote an article on the Best Health Share Plans. You will find which health share plans I recommend to help you on your search for affordable healthcare.
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