It's actually very easy.
Above are the rates by age and family make up.
That can really help certain areas which typically have much higher rates.
Let's look at the components of the rates.
This is pretty straight forward (for a change).
It might make sense to have two separate policies for adults with large age differences.
Run the numbers both ways to what works best.
Benefits are per person regardless so there's no downside there aside from the application fee which is a one time charge.
Your rate will change at time of birthday when you jump to a new age band.
You can then look at rates according to family make up.
Here are the main rating types by family make-up:
A few key notes.
An Aliera care will have the same rate for 1, 2, or 3 kids.
One adult with multiple children will have the Family rate.
For dependent children between age 20-26, expect to show proof of full-time status.
There are two times that rates change.
This will apply immediately to all plans.
Also, if a person enters a new age band, their rate will go up with the birth date.
The rates are the same across the U.S.!
You're essentially in a large pool of members that share health care costs across the entire membership (by age band and family type).
This can have a big effect if you're in a more expensive area.
It's akin to how large companies and government rates are based.
There are essentially 9 options with AlieraCare.
We have 3 MSRA (Member Share Responsibility Amounts) which is similar to the deductible/max on health insurance plans:
You then have three plan types with Aliera Care:
You can view the plan benefit summary below and the Aliera Care brochure is available here:
We really like the Premium plan since it has a higher per incident exposure for the bigger bills.
We're happy to help walk through the options.
There is a one-time application fee of $125 for Aliera care plans.
You'll see this as part of the enrollment process.
This part is easy.
There are three ways to apply:
We're happy to help with any questions on Alieracare.
Make sure to check out our comprehensive guide and introduction to Alieracare and how it works!
Again, there is absolutely no cost to you for our services. Call 800-320-6269 Today!
Quote and Enroll Aliera Care
"My sincere thanks for making a miracle happen- 2014 health coverage !! Many thanks for your expertise and advice yesterday !!"
"Thanks again for your help - I had absolutely no idea how to get this done when I got up this morning. You've made it remarkably easier than I expected. I hope you're not stuck at the office all night..."
"Anyway, I hope you got some time off this past week! Thank you again for your help and efforts on my behalf! I was very lucky to find you."
"I thank you very much for the time that you have invested in handling everything
"I truly appreciate the quick response and will think of you in the future if I need to make any changes to my insurance plans."
"You are awesome... takes a huge worry off my back, thank you for your kind. thanks for your time and kindness. !!"
"Wow, I can't thank you guys enough for your help...I couldn't imagine trying to tackle this on my own!"
"You are my new best friend. A HUGE thank you again.
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.
Call us...you will be Pleasantly Surprised. 800-320-6269
We'll quickly see if health sharing plans like Alieracare might be a good fit for you.800-320-6269