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Catastrophic Coverage

Need catastrophic hospital coverage stand alone or combined with doctor visits?  Altrua Healthshare's Select Silver 2750 plan could be right for you.

These days, it’s no secret that traditional insurance costs are sky-high. And unfortunately, those who cannot afford health insurance through the marketplace may find themselves penalized come tax time as a result. It can be a vicious cycle. At Altrua HealthShare, they believe in a faith-based approach to healthcare as an alternative to traditional insurance options. In fact, Altrua HealthShare was formed as a means of providing hard-working people with the protection they need at an affordable price, who truly subscribes to the idea behind Galatians 6:2: “Carry each other’s burdens, and in this way you will fulfill the law of Christ.”

  • Medical cost sharing for unexpected major medical expenses

  • Much lower cost alternative to traditional medical insurance
  • Enroll all year long, No open enrollments
  • Available and offered in all 50 states
  • Work with any hospital, facility or doctor when you need it most

Altrua is a “nationwide faith-based health sharing organization in which members share in each other’s medical needs.” Health sharing is NOT insurance and it is NOT part of the Affordable Care Act, which means you can buy it at any time of the year. However, if you do purchase an Altrua plan, you do NOT have to pay the ACA penalty.

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  • Medical cost sharing is NOT INSURANCE nor is it offered by insurance company’s
  • Dependents eligible until age 23
  • Assists you in obtaining the maximum value of your membership through the PHCS network
  • Medically necessary emergency room visits, tests,and treatments
  • In-patient surgeries

  • Preauthorized procedures

The Difference Between Health Sharing and Insurance

A health sharing program is an alternative to insurance that works in much the same way. However, for many people, it is the superior choice. What are the differences between a Health Care Sharing Ministry and traditional insurance?

Four main differences:

  • Health care sharing ministries don’t spend as much on advertising and administration – Unlike insurance companies that may spend a large percentage of the money they take in on advertising their services, ministries do not. Geico, for instance, spent $1.8 billion on advertising in 2013. This is a stark contrast to a faith-based health sharing program where the contributions collected are available for member’s eligible medical needs.

  • Altrua HealthShare ministry is faith based – The biggest health sharing organizations in the United States are faith-based organizations. They allow members to participate in something that supports their faith choices.

  • Health Care Sharing Ministries are more affordable – According to a US News and World Report article, if a family is spending $700 a month on insurance, they may only spend $200 for medical cost sharing from a health sharing Because of lower administration expenses and because some medical procedures are not eligible for sharing (usually those that may be morally offensive), membership contributions can be less expensive for participants.

  • Money is Held in Escrow – Participants inHealth Care Sharing Ministries contribute their monthly share amount each month, and the contribution is held in an escrow account. Then, when it is needed, the share amounts are sent out to the doctor or hospital, much like insurance would pay.

Becoming a Member


Whether you’re tired of paying high insurance premiums or simply want to become involved in a more faith-based approach to healthcare, we encourage you to explore Altrua HealthShare as a viable option today. All that is required is that members lead a clean, healthy lifestyle according to their personal faith and convictions, and that members do not share in one other’s unhealthy habits. Altrua HealthShare members lead a spiritual lifestyle according to their own convictions and are extremely invested in their personal health and wellness. Members consist of those who are newly married, families or individuals looking for a viable health care option, whereas others are young adults in their 20s who have recently been dropped from a parent’s insurance coverage.


Call the number at the top of this page to get started today.