Aliera Health Plans HSA for America

Health care sharing plans have been on the rise in recent years due to unaffordable insurance premiums and deductibles, as well as the individual mandate that levies a fine to anyone who goes without insurance for more than three months. It’s no wonder that people are forgoing traditional insurance and turning to healthshare plans instead.

Health care sharing plans—also called healthshare ministries and healthcare sharing ministries, among other names—are organizations that facilitate the sharing of medical expenses between members. Instead of paying monthly premiums, members pay a monthly fee, and the collective money is used to pay for qualifying medical expenses.

In this blog, I’ll be discussing Aliera Health, one of the most popular health care sharing plans, and the benefits you’d receive as a member.

Plans

Aliera has two main plans: AlieraCare 5000 Premium plan and the Unity Healthshare Gold plan. With both plans, members have their choice of doctors, can enroll any time (a huge difference from Obamacare that has strict enrollment dates), and are exempt from the individuals mandate. Most doctors accept these plans.

For both, there is a one-time application fee of $125. These plans are not available in Alaska, Hawaii, Maine, Maryland, Puerto Rico, Washington and Wyoming.

The AlieraCare 5000 Premium plan

Immediately:

  • $20 per primary practice doctor visit
  • $75 per specialist visit
  • $300 per emergency room visit

After 2 months:

  • Surgeries (in- and outpatient) and hospitalizations covered  

After 9 months:

  • Free annual visits

After 10 months:

  • $5,000 a year toward normal maternity fees

After 24 months (2 years):

  • Pre-existing conditions covered  

Aliera care has a member’s shared responsibility amount (MSRA) of $5,000—your maximum out-of-pocket costs. The amount is similar to a deductible but not a deductible. The lifetime cap for this plan is $1,000,000. So, if you think you’ll need more coverage than that over a lifetime, perhaps consider a different plan.

Here’s what you can expect to pay:

The Unity HealthShare Gold plan

The AlieraCare 5000 plan is less expensive, but the Unity HealthShare Gold plan offers more coverage, particularly for pre-existing conditions. Members can choice an MSRA of $1,000 or $2,500 with an annual out-of-pocket cost of $3,000 or $7,5000. Higher out-of-pocket options are available.

Immediately:

  • Pre-existing conditions covered
    • Will pay up to $20,000 for the first two years after members pay twice the MSRA
  • $20 per primary care doctor visit
  • $75 per specialist visit
  • $150 per emergency room visit  
  • $75 per urgent care visit

After 9 months:

  • Preventative care visits covered

The lifetime cap is $1,000,000 with no per-year limit. After meeting the MSRA, pay 20% of hospital visits.

Here’s what you can expect to pay:

Want to know more?

Call our customer service at 800-913-0172 and/or talk with your trusted Personal Benefits Manager (PBM) for more information.