Proclaiming to be “your healthcare partner” on their website, Aliera Healthcare offers both insurance plans, as well as healthshares as a great alternative. With insurance plans ranging from minimal to full-coverage and being supported by ACA-exempt health sharing ministry partner Unity HealthShare, Aliera strives to find the best coverage for your needs and budget.
4 Categories of Care Levels Explained
With two main types of healthcare plans—managed care and traditional indemnity coverage, the main difference being price and level of coverage—there are four main levels of care offered by Aliera.
1. Catastrophic Coverage (CarePlus Advantage)
Catastrophic coverage is for the “what if” that actually happens. It’s for those events you never expected to happen. An accident. A sudden illness. Hospitalizations. Trauma. Having this type of coverage provides some peace of mind that suddenly losing a gallbladder doesn’t have to mean losing everything due to expensive medical bills.
If you’re primarily healthy and looking to provide security to your family knowing they are covered for catastrophic events, plus the added benefit of emergency room cost sharing, CarePlus Advantage is best suited for you. This is also great if you’re unable to pay for full-coverage insurance plans. Best yet, there isn’t a waiting period for coverage.
2. Standard Plans (AlieraCare)
While not traditional insurance, AlieraCare offers low-cost plans to both individuals and families. With this type of coverage, it provides you and your family with immediate access to doctors through office visits, urgent care, and telemedicine. Preventive care is also covered with zero out-of-pocket expenses and no member responsible shared amount (MRSA) for in-network providers and labs.
AlieraCare is less expensive than traditional insurance for several reasons. Waiting periods and benefits limits keep costs low and affordable. If you’re primarily healthy and your main concern is preventive services and basic medical needs, as well as coverage for a catastrophic event, then this could be the perfect plan option for you.
3. Comprehensive Plans (Unity Healthshare)
Contrary to the name, comprehensive plans are not traditional insurance. Comprehensive plans are healthshare plans, where members pay monthly fees, which is then used to pay for member’s qualifying medical expenses.
Unity Healthshare covers primary care physician visits, urgent care clinics, preventive visits, telemedicine, specialty services, labs and diagnostics, hospitalizations, surgeries, emergency room visits, and prescriptions. Due to low premiums, many choose this coverage option.
If you want comprehensive healthcare coverage closer to traditional insurance plans but are seeking affordable alternatives to major medical insurance, this would be the best option for you. From the doctor’s office to the operating table, you get access to comprehensive medical benefits when you need them most and like CarePlus, there isn’t a waiting period for coverage.
4. Short-Term Coverage (InterimCare)
Change is—fortunately and unfortunately—inevitable. Jobs change. Homes change. Insurance ends. InterimCare is meant for those periods of transition where you don’t have coverage yet but still need it.
As the “short term” implies, InterimCare is meant for 11 months or less. InterimCare covers primary care physician visits, urgent care, preventive medicine and visits, telemedicine, specialty services, labs and diagnostics, hospital services, surgical services, emergency room visits, and ambulance services.
Affordable Coverage for Everyone
Aliera provides a wide range of affordable coverage to suit nearly everyone. All plans use national PPO (prefered provider organization) networks. Using PPO networks allows for a large range of doctors and providers to choose from. In addition to the four plan options, Aliera also offers supplemental coverage such as teeth cleaning and prescriptions. If you’re seeking low premiums and quality coverage, you should definitely consider Aliera for your long-term or short-term needs.