48 Customer Reviews
Review from Stasia T
1 star08/14/2024
I was pressured and manipulated into opening an account with **********************. I was not informed it was part of a ministry nor that it is not health insurance until I had already given them my credit card information and social security number. They would not give me a phone number to call back or detailed information about what the policy entailed until after I gave them my money. Then, I was told I could cancel the subscription. I called an hour later after reading the fine print and told them I wanted to cancel and they informed me that someone else from the company would call me 3-5 days later to "confirm" that my account is cancelled, but if I didn't answer, then the cancellation wouldn't be confirmed. This is a total scam, avoid at all costs..
Altrua HealthShare Response
08/16/2024
*****************,
We are disheartened that someone misinformed about an Altrua HealthShare Membership (AHS). The type of behavior you described is unacceptable. Please understand that the person who offered you an AHS Membership was not an employee of AHS but was an Independent Representative (IMR). Altrua HealthShare is NOT insurance and is NOT an insurance company, nor does Altrua represent our Membership as such. AHS is a health care sharing ministry (HCSM) that facilitates member-to-member sharing. All Members monthly contributions are deposited into an Escrow Account from which all eligible medical needs are shared on a member-to-member basis.Additionally, AHS is a nationally recognized faith-based HCSM through by the Centers for ******** & ******** Services (CMS). Our Membership is a collaborative community of health-conscious people, providers and members dedicated to honoring God while improving healthcare by Caring for One Another.
Your contributions will been refunded in full. We do understand that a health care sharing ministry is not a solution for everyone. We sincerely hope that you find a suitable solution for your medical needs.Review from Jared P
1 star07/17/2024
We've had the most frustrating and awful experience with this company. We sought for Reimbursement and requested funds in the first weeks of my wife's accident. That was over 16 months ago. We've paid for several of the bills, far beyond the portion required for the Diamond Plan and Altrua still hasn't paid their portions or reimbursed us. As the threat of collections came we eventually paid all of the hospital bills and any amount due that we knew of for individual doctors or MRIs. Their delays and system seems criminal to us at this point. We are still trying to get reimbursed and it has now been over 2 years.Review from Pete V
1 star04/20/2024
Altrua is a scam. They dont even deserve a 1/5. We were members for years and their ambiguity and deceitfulness is beyond words. In most recent events, our son broke his arm and Altrua has manipulated, lied, avoided, and ignored our coverage leaving us exposed to a hospital and their collections department. We have paid the *** in full plus a thousand dollars extra and Altrua still is avoiding their responsibility. Altrua staff play dumb by telling us they lost files or didnt receive files. They claim to be making payment to the hospital and suddenly checks are lost in transit. This is not a ********* or a reputable business. This is a clown show. We have the most expensive plan you can buy at around $900 monthly and it gets you nothing but stress and neglect. My wife has been spending hundreds of hours talking to Altrua team who all claim docs are missing or have no knowledge. Its like dealing with idiots and unprofessional jokesters daily. They blame everyone but themselves. They offer no support. Every answer is ambiguous. Anyone that uses them needs to know that your premiums are going up in smoke. This isnt a health share. Its a scam where to you pay and trust and find out you have zero coverage and support. Run away as fast as you can.Altrua HealthShare Response
05/10/2024
**********************
We are saddened that you are dissatisfied with your membership. To be clear, Altrua HealthShare is NOT insurance and Altrua Ministries is not an insurance company, nor do we represent the Membership as such. The Membership is a health care sharing ministry that facilitates member-to-member sharing.
Altrua HealthShare is NOT a scam. Altrua HealthShare is a nationally recognized faith-based **************************** through The Centers for ******** & ******** Services that consists of individuals and families across the nation. Our Membership is a collaborative community of health-conscious people, providers and members dedicated to honoring God while improving healthcare by Caring for One Another.
After an investigation into your allegations, we have found that all eligible medical needs related to your sons accident have been processed accordingly and checks have been sent out. The check which you stated was lost in transit, was reissued and sent to the provider. According to your specific membership, each member of the household has a 1st MRA (Member Responsibility Amount) of $500, which is the amount that each individual member is responsible for paying to the provider or facility before the Membership will share in eligible medical needs. Additionally, each member of the household must meet a 2nd MRA of $2500, which is the percentage each member is responsible for paying after the 1st MRA is met. The membership shares simultaneously in any eligible medical needs as the members 2nd MRA is being met. To date, all eligible medical needs related to your sons injury have been processed and appropriately applied to the 1st and 2nd MRAs and any eligible medical needs have been shared in accordance with the Membership Guidelines. To date, Altrua Members have shared in $6,661.84 of your sons eligible medical needs.Review from Steven O
1 star02/21/2024
This business sucks!!! Claiming to be a ********************* with no response to claims or questions about a member. They don't care. Do not even think about using them.Altrua HealthShare Response
05/22/2024
Sir,
Please accept our sincerest condolences for your recent loss. Please understand that Altrua Ministries (dba Altrua HealthShare) is NOT an insurance company nor is the Membership offered through an insurance company. Members are self-pay patients. In 2014 Altrua HealthShare received its recognition as a **************************** recognized by the Centers for ******** &Medicaid Services (CMS). As a result, the members of Altrua HealthShare have the security of being members of a recognized ****************************.Altrua HealthShare is a **************************** that is a 501(c)(3)non-profit organization that facilitates the sharing of eligible medical needs between members. Our Membership is for anyone who believes in living a healthy lifestyle and can agree to our Statement of Standards. We care about our Members, but eligible medical needs must meet a status indicating that the Member has met the conditions that qualify for sharing as described in the Membership Guidelines. If there are medical needs that result from actions contrary to those conditions, those needs may be deemed ineligible for sharing.
We wish you peace.Review from Lori l
1 star01/04/2024
Altrua is not an insurance company, they are a Ministries aka religious entity. Part of your money goes to the "Ministries" as a donation. They do not tell you this UNTIL after they take your money from your account and when you try to cancel well before the stated 10day period you get the run-around. It's been 17 day's since I have tried to cancel and get a refund, and nothing.Altrua HealthShare Response
01/19/2024
Thank you for bringing this to our attention.We apologize if the Independent Member Representative (IMR) did not clearly explain the nature of the Altrua HealthShare membership. However, it was you who signed up your husband for membership. In doing so, you filled out an application which stated in numerous places that Altrua HealthShare is not an insurance company and that our memberships are not an insurance policy. You acknowledged each disclosure regarding the Memberships Statement of Standards and Member Commitment to live a clean and healthy lifestyle and you also affirmatively acknowledged the statement, I understand that Altrua HealthShare is not insurance. As for cancellation, because you put the membership in your husbands name only, when you called to cancel, our representatives could not process the cancellation without authorization from your husband. Our policies and procedures regarding cancellation and changes in membership accounts have been put in place to protect our members. Your husband then cancelled his membership, and a confirmation was sent to you on 1/5/24 via email and your full refund was issued on 1/8/24. We understand that a health care sharing ministry is not for everyone. We sincerely hope that you found a health care solution that suits your needs.Review from David T
1 star12/29/2023
Let this be a warning to everyone. Altrua is not an insurance company.They do not pay for claims. Your prescriptions will not be honored.If you cancel they will make you jump through hoops to get the refund.My last contact after cancelling with them was we need a copy of your current insurance card.That has nothing to do with my cancellation.I would be embarrassed to say I worked for Altrua.They pressure you into why you cancelled. They are a scam that provides no benefits.Altrua HealthShare Response
01/22/2024
Thank you for bringing this to our attention.We apologize if the Independent Member Representative (IMR) did not clearly explain the nature of the Altrua HealthShare membership. Please note that the person who offered you an Altrua membership was/is not an employee of Altrua but was an Independent Representative.
During the application process to become a member of Altrua HealthShare, you filled out an application which states in multiple places that Altrua HealthShare is NOT an insurance company and that our memberships are NOT an insurance policy. You also acknowledged each disclosure regarding the Memberships Statement of Standards and Member Commitment to live a clean and healthy lifestyle and you affirmatively acknowledged the statement,I understand that Altrua HealthShare is not insurance. The Membership that you signed up for did not include prescriptions but instead offered discounts. Altrua absolutely does share in our active members eligible medical needs as we have for the past 25 years. Because you cancelled your membership prior to its effective date, your statements that Altrua does not pay claims and your prescriptions will not be honored are unsubstantiated statements made by someone who was never an active member.
Your Membership has been cancelled and a full refund was processed on 12/9/23. We understand that a health care sharing ministry is not for everyone. We hope that you found a health care solution that suits your needs.
Review from David G
1 star12/22/2023
I was looking for health insurance and was not told that this was a health share thing. I was asked a few questions and I said now the said questions. I told perfect this will be great for you. Well I fell it. And now I'm stuck and can't get out of it. I was charged way more out of my account then was told over the phone. $463.24 I was also told I could cancel with in ten days, with no question asked. Well thats not true. I need to provide them with proof I have different insurance. I can't do that cause they took so much money from me. I just want my money back so I can find what I was actually looking for. Oh and to top it all off customer service has been extremely rude to me. I feel so stuck and screwed at the same time. DO NOT GO WITH THIS COMPANY!!!!!Altrua HealthShare Response
01/23/2024
Thank you for bringing this to our attention.We apologize if the Independent Member Representative (IMR) did not clearly explain the nature of the Altrua HealthShare membership. Please note that the person who offered you an Altrua membership was/is not an employee of Altrua but was an Independent Representative. However, during the application process to become a member of Altrua HealthShare, you filled out an application which states in multiple places that Altrua HealthShare is NOT an insurance company and that our memberships are NOT an insurance policy. You also acknowledged each disclosure regarding the Memberships Statement of Standards and Member Commitment to live a clean and healthy lifestyle and you affirmatively acknowledged the statement, I understand that Altrua HealthShare is not insurance.
Further your membership contribution with Altrua HealthShare was $125. You purchased products such as ExtraValue and **************** which are not related to or offered by Altrua.
You enrolled to become a member of Altrua on 12/6/23 with an effective date of 1/1/24. Your Membership was cancelled at your request and a full refund was processed on 1/10/24. We do understand that a health care sharing ministry is not for everyone. We hope that you found a health care solution that suits your needs.
Review from Catherine D
1 star12/11/2023
Terrible experience with Altrua Healthshare on the phone. I was looking for a legitimate quote on healthcare and it was high pressure all the way, requesting bank card info within 10 minutes of the call. The topper was that when I brought up legitimate concerns as selecting healthcare shouldn't be entered into lightly and requires much research to ensure you're getting the right fit for you and your family, I was passed off to 3 people. They got more aggressive each time I asked questions and apparently think it's acceptable to bully people into purchasing their product. The last person I spoke to was rude, sarcastic and told me "good luck" before letting me finish my question and hung up on me. When I read through the agreement they sent, this is not something I would have signed up for had I known that there is a statement of standards you are required to sign. Read carefully!! I do not agree with their statement and they should be upfront about who they are representing when they call you. If the rate sounds to good to be true, it's too good to be true.Altrua HealthShare Response
12/13/2023
Ms. *********,
Please accept our sincerest apologies for any inconvenience or ill feelings that the interaction with this individual may have caused you. It is likely that the person that you spoke to, who was trying to offer you an Altrua Membership, was in fact, not an employee of Altrua HealthShare at all. There are independent representatives that are allowed to offer the memberships. We do not condone anyone misrepresenting us or mistreating our members or potential members. We would like to get to the bottom of this and prevent anyone else from having a bad experience. I would very much like to speak with you about your experience and obtain additional information regarding the person/people that you spoke with and that offended you. You may reach out to me at the email below.
Review from Devra D
5 stars12/03/2023
Altrua HealthShare is a wonderful alternative to costly health insurance, but people need to understand it's NOT actually health insurance. It's an option which is more affordable because it doesn't operate the same way. This is made abundantly clear in Altrua's membership guidelines, yet most of the complaints and bad reviews are from people claiming to not know this. After reading pages of complaints, three things become clear:1) There are shady third-party brokers out there misleading clients into thinking they're purchasing a traditional health policy, then those clients proceed to sign Altrua's documents without reading them first. (Again, Altrua makes it very clear that it does NOT provide "Health Insurance.")2) Many complainants either didn't read or didn't understand Altrua's Membership Guidelines and simply assumed it works like traditional insurance. These people were surprised and upset they had to pay a medical provider out of pocket, then follow a protocol for reimbursement from Altrua. (And in many cases, it appears they were blaming Altrua for delays when it was their own provider who failed to provide the necessary documents.)3) Some complainants weren't reimbursed for their bills because medical records showed they lied on the application, either regarding their health history or lifestyle choices ( i.e. drug, alcohol or tobacco use.) Since Altrua is NOT a health insurance company, they have the right to require certain standards of belief and behavior, and every applicant must sign a statement attesting to this.Altrua isn't for everyone, but it's an affordable alternative especially for people who make healthy choices and rarely need medical care, but might need help with a serious injury. Plus you get access to Telemedicine for a convenient way to deal with little nuisances like allergies or UTI's. After three years with Altrua, we have no complaints.Altrua HealthShare Response
12/20/2023
Dear *****,
We at Altrua HealthShare appreciate your sentiments very much. Thank you for being so incredibly insightful and kind. We are honored to have you as a Member and hope that you remain a Member of Altrua for years to come. We wish you a very Merry Christmas and a Happy New Year to you and your family!
Review from Fletch N
1 star11/02/2023
BEWARE!! This is a scam. It all came together way too quickly, too easily, and too inexpensively. When I said I wanted to pause the process process to do a bit more research, some punk kid came on and talked smack to me immediately, trying to bully me into staying. Now I have to watch my bank account for fraud for a while. Scumbags.Altrua HealthShare Response
12/13/2023
Please accept our sincerest apologies for any inconvenience or ill feelings that the interaction with this individual may have caused you. It is likely that the person that you spoke to, who was trying to offer you an Altrua Membership, was in fact, not an employee of Altrua HealthShare at all, as there are independent representatives that are allowed to offer the memberships. We do not condone anyone misrepresenting us or mistreating our members or potential members. We would like to get to the bottom of this and prevent anyone else from having a bad experience. I would very much like to speak with you about your experience and obtain additional information regarding the person/people that you spoke with and that offended you. You may reach out to me at the email below.
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