At some point, push comes to shove.
We have been navigating the health insurance market since 1995.
We have found ourselves searching for options since 2014.
Tripled for some people.
It's unsustainable and the law basically forced all the health plans into the same expensive box (if you don't get a tax credit).
We finally feel like we have an option to show people which we can get behind.
AlieraCare health coverage.
(Pronounced Ah - leer- ah)
We'll go through the entire explanation of what AlieraCare is but you can jump to any section here:
You can quote and enroll:
Lots to cover. Lots to save!
Let's get started!
In the ACA law (Obamacare), there was a small piece that gave certain non-profit companies, Health Sharing Ministries, the ability to offer coverage to people that was not ACA compliant.
Aliera was one of them.
Unity HealthShare, LLC handles the big ticket items (hospital, etc) while Aliera handles the first dollar benefits (preventative, office consult, etc).
AlieraCare has been in business since 2011.
The net net to you...Health Sharing plans like Aliera health allow you to essentially buy coverage similar to the old benefits!
The plans before the ACA law.
In California, actually back to 1999 in some respects.
You can see the difference between Covered Ca and health sharing here.
When we say the "old plans" the new health sharing options work similarly to them but are not insurance.
There are some very important differences to understand.
We'll cover the pros and cons of these health sharing versus insurance later.
We have articles diving deep into Health Sharing but here are the reasons it's important to you:
Those are the real big bullet points (we'll cover more detail below) but the real reason AlieraCare is taking over the market...
You can quickly jump to the AlieraCare quote here:
Health Sharing plans aren't for everyone.
Make sure to check out the section below on who Health Sharing works best for.
So...that's Health Sharing with broad strokes.
What about AlieraCare?
AlieraCare is the administrator for Unity HealthShare LLC - one of the six companies that were accredited as Health Sharing entities under the ACA law.
AlieraCare actually has two pieces:
To the member, it's all one interface.
Clean and streamlined.
AlieraCare pays the providers directly like traditional insurance which is a benefit it has over some of the other health sharing companies.
This is one of the largest PPO nationwide networks with almost 1M providers included.
This is a big deal.
Your health coverage is only as good as the doctors it allows you to see.
We're seeing lots of issues with that on the ACA health plans as they continue to narrow their networks.
The PHCS (provider search here) is a great asset for AlieraCare
You can access the AlieraCare plans, rates, and provider search via the
quote tool here:
We really want people to understand their options.
In doing so, we have to explain the downsides as well as the upsides of the AlieraCare (or health sharing in general) plans.
We like AlieraCare for SOME clients (see below for who AlieraCare works for) but they have to understand the differences.
I understand that Aliera Health (a health sharing ministry) is NOT insurance nor does it provide insurance coverage. It is not intended to be a replacement of comprehensive health coverage found through the Federal or State exchange.
Unity HealthShare, is a faith-based need sharing membership. Eligible needs are shared by the members according to the membership guidelines. This membership is not a legal binding agreement and does not guarantee or promise that your eligible needs will be shared by the membership. It makes no assumption of risks. If sharing is not possible, you will remain financially liable for unpaid medical bills.
The financial assistance members receive come from other member's monthly contributions that are placed in an escrow account, not from Unity HealthShare.
AlieraCare does NOT fall under the oversight of the Department of Insurance (DOI).
There is no DOI protection or backstop in case the company goes bankrupt, expenses are not paid, or coverage is denied.
A person who has AlieraCare is NOT subject to the tax penalty under Obamacare rules.
I understand that:
AlieraCare does not cover Mental Health benefits.
AlieraCare is not required to cover the Essential Health Benefits under the ACA law.
By law, AlieraCare does undergo an audit annually by an independent accounting firm to ensure financial stability. 20% of monthly membership dues are is held in reserves for paying eligible expenses.
Link to Brochure here.
Link to Member's Guide here.
There are many pros to AlieraCare..primarily the cost.
For some people without a tax credit, it may be the only option they can afford.
This brings us to the next section...ultimately the question we get from most callers.
Health sharing companies are not required to pay by the department of insurance.
What's the history or experience?
Will they pay?
This is one of the reasons we ONLY deal with Aliera for health sharing.
We simply don't trust the others well enough to take the leap of faith (no pun intended) if big bills comes up.
Aliera offers the safest approach to health sharing for these reasons:
We've asked Covered California (health exchange in California) if a health sharing company goes under and cancels coverage, is that a qualifying event.
We have an email copy that this would trigger a special enrollment option.
We don't think that will be needed but it's nice to have that in case we need it.
12 months max.
All we can say is this...if you're comparing health sharing companies, we strongly recommend going with the safest among them.
In our calculation, it's AlieraCare
We have had ZERO issues and we're one of the bigger enrollers.
For many people seeking healthcare coverage, Aliera and Unity may be new.
This is less and less so with each rate increase on the Obamacare market.
Aliera health has been in existence since 2011.
They handle the first dollar coverage such as preventative, office consults, labs, etc.
Unity health sharing has been in existence since 1922.
They handle the bigger ticket items such as hospital, surgery, ER, etc.
The benefits of AlieraCare among Health Sharing Options:
AlieraCare is the closest we have to secular or non-religious health sharing.
We have a comprehensive guide to comparing the main health care sharing companies.
Look. We're very conservative in terms of coverage.
We've seen lots of options come and go on the health market that agents loved because they were great for agents.
We ran from those because there were serious issues for the members if they had really large bills.
What's the point of insurance if it doesn't protect from the big bill.
There's a lot of trust there and AlieraCare meets our lofty requirements for certain clients.
Make sure to read the "Who is AlieraCare good for"Â section as it's not for everyone.
AlieraCare goes the farthest in protecting people from the big bills that are all too common in today's health care world.
As licensed health agents and appointed AlieraCare agents, we're happy to walk through your situation to see if it's a good fit.
There's zero cost for our assistance.
With AlieraCare or ACA health plans.
AlieraCare is another option that's going to fit very well for a segment of the population.
As part of their exemption from the ACA requirements (especially the penalty!), health sharing companies have to use different terminology from traditional insurance.
Congress loves it rules!
Here are the big ones and their corresponding term in health insurance:
One note...with AlieraCare, the MSRA is also the same as the traditional insurance max out of pocket.
It's all one number which is a clean way to do it.
There isn't a percentage share between the two.
One less thing we would have to rename!
You'll see on the brochure the statement "This is NOT Insurance"
This is true.
See above for what AlieraCare is not.
Very helpful and important to understand the difference before making any decision.
Technically, they are membership shared coverages.
A pool of people that all share eligible medical expenses together.
Just an FYI but that's similar to how insurance works.
Make sure to see the AlieraCare acknowledgement above to understand how this differs to you.
Again, they have to use certain terminology in order to offer the equivalent of the pre-ACA benefits.
And pre-ACA plan RATES!
We'll cover the few items that are important to understand in the "Who is AlieraCare for" section but we feel really good about AlieraCare's options (especially the Premium plan) for protection.
This is one of the items that really sets AlieraCare apart from the other health sharing companies.
They have access to the PCHS PPO network of providers nationwide!
This is huge!
Run your AlieraCare provider search here.
This has been the biggest issue since 2014.
The networks seem to be only shrinking with every year.
More of the ACA plans are moving to EPO's and HMO's as well.
Having a PPO available through AlieraCare is a huge deal.
More detail on comparing PPO's versus HMO's here.
Also, since it's a PPO network, we get the negotiated PPO rates in-network for eligible expenses.
That's generally a savings of 30-60% on average even before we meet our Member Share of Responsibility Amount (MSRA - similar to Deductible).
We've seen discounts even higher for labs and hospital care.
It's a big deal and we get it with the large PCHS PPO network nationwide.
It's a two parter.
Even on the high deductible Bronze plan.
At renewal, people are throwing in the towel.
It's either an option like Aliera Health or no coverage.
On the flip side, you don't want to get hit with the tax penalty of 2.5% of income.
You also don't want to get hit with a major health insurance bill.
For healthy people with no tax credit, Aliera Health may be the only option.
You have to able to afford the coverage.
A large percentage of our ACA members lapse coverage due to an inability to pay the monthly premium.
Even people with tax credits!
That explains why Health Sharing plans are doing so well.
The second part deals specifically with Aliera Health.
Aliera is by far the most popular of all the Health Sharing companies.
We've talked about why Aliera is the best but it comes down to this.
They are NOT health insurance but they walk and talk the closest.
They have the most relaxed statement of beliefs and qualifications.
They are open to more people than the others!
That alone makes them the choice for many people!
You can quote them here to look rates, plans, even the online application.
This is important.
AlieraCare is not for everyone.
Let's first say who it probably isn't a good fit for.
Aliera health (and Health Sharing in general) might not be good for:
Basically, most of this comes down to two points.
If you can get cheaper coverage on the ACA marketplace (due to tax credit), that's the way to go.
Most of you do not have that option and therefore, you're investigating AlieraCare here.
Remember when we said Aliera was like the health plans we had before the ACA law?
Even back to 1999?
Aliera doesn't decline people based on health but there will be waiting periods for pre-x conditions.
This means that the carrier will not pay out for expenses related pre-existing conditions for a period of time depending on the plan.
Maternity for example might have a 10 month waiting period.
Another big point...AlieraCare does not cover mental health benefits.
We need to understand this and it's in our Acknowledgement we require from enrollees.
This is to protect our clients and make sure they understand their options.
We can help you compare Aliera and the ACA plans (quote here) for your situation.
There's no cost for our assistance as Certified Covered Ca agents and licensed Aliera health specialist.
Call 800-320-6269 or email us.
Aliera health works best for these people who:
That last one is important.
The health sharing plans do not cover mental healthcare.
This would include pyschotropic medications for mental health.
This really gives us a 12 month window worse case after which we can switch to an ACA plan if need be.
This is the great news.
Any time of the year!
There's no open enrollment with Aliera healthcare plans.
This is a huge issue with ACA plans where you can only enroll:
Many people call outside of either period and they're stuck.
We've had short term coverage in 3 month blocks but that's not great.
Aliera is also guaranteed issue.
They don't decline based on health.
Instead, they do it the old way where waiting periods for pre-existing conditions and certain new ones (maternity after 10 months etc) are imposed.
This is still better than Short term which also has pre-x conditions and can decline based on health.
If you can't enroll in ACA plans due to missing open enrollment, quote Aliera here:
How to quote Aliera health plans:
It's Free. Online. And Fast.
How to Apply for AlieraCare health plans:
Everything is online and secure.
Hard copy of the application is also available at the link here:
Please let us know if you have any questions on the application.
We're here to help at 800-320-6269 or by email.
Based on the options available, it's a strong yes.
Here's the deal.
AlieraCare is our go-to alternative to Obamacare now.
Keep in mind that we're very conservative with our clients.
We're also Certified Covered California agents.
Our interest is our client's.
We have clients that have been with us since 1995.
We break it down this way.
Health sharing plans allow us to go back in time.
To coverage similar to what we had before Obamacare.
The rates reflect that. They need to understand the trade-offs (see "What AlieraCare is NOT"Â)
Secondly, of the health sharing companies (there are 6), AlieraCare is the most flexible, similar to health insurance, and sophisticated.
They also don't decline coverage or have very strict requirements on eligibility like the other health sharing companies.
Furthermore, we don't like the fact that the others exclude more people for other reasons than health.
That doesn't feel very American to us.
That's why we like Aliera health as an alternative to Obamacare where it makes sense.
Get more detail on Obamacare health coverage versus Health Sharing.
We're happy to help you compare the two.
Our assistance is 100% free to you. The rates available through us is identical for either AlieraCare or Obamacare.
You can get more information on why AlieraCare is the best health sharing option.
Call 800-320-6269 or email us.
You can always get the full benefit summary via the quote below or access the brochure here.
We're also here to help with any questions.
But let's give you a quick synopsis.
Make sure to check out the "health sharing terminology"Â above so that you understand the different way to say things (versus insurance).
AlieraCare is the most comprehensive of Aliera's options that aren't ACA compliant.
Basically, you have a choice of 9 options.
3 different MSRA (similar to deductible):
Combined with 3 different plan types:
The MSRA is pretty straight forward.
This is the amount you're responsible (although you'll get PPO discounted rate in-network which usually knocks things down 30-60%)
The MSRA is your responsibility.
There is no percentage paid after that amount before you meet a cap.
It's all one number for covered events in a calendar year.
The three plan types
This is where the plans change a bit.
The brochure here is a great place to start:
We really like the premium.
It's closest to what people expect in their coverage.
The main thing we look for the is the per incident max payout which jumps to $500K on the premium.
This is huge to us and makes us feel a lot better about what we're recommending for our clients.
All three options have a lifetime max of $1M.
Take a look at the benefit benefits via the quote or the brochure.
We're here to help with any other questions!
If you are not eligible for a tax credit and you're in good health, this is the reason most people are moving to AlieraCare
The rates can be 50% less than full ACA plans.
That's only growing wider as the ACA plans go up each year at double digit rates.
It will speed us as healthy people move to plans like AlieraCare
Here's a real example with 2018 rates:
Compare the Bronze rates to AlieraCare's Premium plan with the $7500 deductible.
That's a good benchmark.
Good news...we're it!
The rates are identical through us!
Absolutely 100% the same.
We can help you with the entire process:
How can we help you?
We've covered a lot.
Here's the net take away:
AlieraCare has to be in the mix.
We do not jump quickly or lightly into new healthcare options.
Make an informed decision!
That's our goal.
It took us some time to really get behind this option after researching and studying it.
We have clients that call us every day and say"...
We're getting those calls too often these days.
AlieraCare is our go-to option for those people and more.
We're happy to run a quote for you to see how it compares for your situation.
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
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20+ years of experience in the California health market has taught us one thing...Competent and experienced guidance is Invaluable
We can quickly (very important) size up your health coverage needs and clearly explain the options available to you. Our focus is finding the most coverage at the best cost to you.
We are licensed Covered Ca agents with in-depth knowledge of their plans, process, and health sharing plans.
We'll quickly see if health sharing plans like AlieraCare might be a good fit for you.800-320-6269
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