What Is Altrua

Convenient, affordable healthcare for families and individuals in need.
480-680-8195
Become A Member

Who Is Eligible For An Altrua Membership?

Becoming A Member

Statement Of Standards

  • We care for one another.
  • We keep our bodies clean and healthy with proper nutrition.
  • We believe the use of any form of tobacco, illicit drugs and excessive alcohol consumption is harmful to the body and soul.
  • We believe sexual relations outside the bond of marriage is contrary to the teachings of the Bible and that marriage should be held in honor.
  • We believe abortion is wrong, except in a life-threatening situation to the mother.
  • We care for our families and physical, mental or emotional abuse of any kind to a family member or anyone else is morally wrong.

* Some individuals may not have a membership limitation due to certain past or present medical conditions.

Altrua Membership Types

Membership Type Diamond
(formally Gold)
Emerald
(formally Silver)
Sapphire
(formally Bronze)
1st MRA* $500 per person per calendar year $1,000 per person per calendar year $1,500 per person per calendar year
2nd MRA*-Affiliated Provider and Hospitals 25% of the next $10,000 25% of the next $10,000 25% of the next $10,000
Office Visits MRA* Includes Urgent Care (6 visits per calendar year)** Included up to $300 per visit with a $35 MRA for Affiliated Providers ($500 share for Mammogram) Included up to $300 per visit with a $35 MRA for Affiliated Providers** ($500 share for Mammogram) Not available
Telemedicine Unlimited usage Unlimited usage Unlimited usage
Wellness (mental, behavioral, occupational and other counseling services) 5 in-house visits per incident and unlimited teleconference 5 in-house visits per incident and unlimited teleconference 5 in-house visits per incident and unlimited teleconference
Maternity 90 day waiting period $5,000 MRA
Year 1 $12,000 max
Year 2 $25,000 max
90 day waiting period $5,000 MRA
Year 1 $12,000 max
Year 2 $25,000 max
Not available
Prescriptions: Generic and Name Brand Prescription Program Service
Magellan RX
Prescription Program Service
Magellan RX
Prescription Program Service
Magellan RX
Annual Maximum Limit N/A N/A $250,000
Lifetime Maximum Limit $2,000,000 $1,000,000 $1,000,000

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* Member Responsibility Amount (Out-of-Pocket)
** Females 40 and older/Males 50 and older get 1 additional office visit for wellness screenings

Monthly Contribution Request for Altrua

Age Single Member +1 Family
0-39 $280.00 $415.00 $555.00
40-49 $305.00 $460.00 $625.00
50-59 $375.00 $645.00 $765.00
60-64 $485.00 $845.00 $900.00
65+ N/A N/A N/A
Age Single Member +1 Family
0-39 $250.00 $390.00 $520.00
40-49 $280.00 $430.00 $570.00
50-59 $345.00 $595.00 $695.00
60-64 $415.00 $760.00 $830.00
65+ N/A N/A N/A
Age Single Member +1 Family
0-39 $140.00 $280.00 $380.00
40-49 $210.00 $310.00 $415.00
50-59 $280.00 $485.00 $520.00
60-64 $345.00 $625.00 $690.00
65+ N/A N/A N/A

$7,500 MRA

Single Member +1 Member +2*
Monthly Membership Contribution $105.00 $155.00 $205.00
1st MRA $7,500 per member per calendar year $7,500 per member per calendar year $7,500 per member per calendar year
Annual Maximum Limit $150,000 per member $150,000 per member $150,000 per member
Office Visit/Urgent Care Maximum of $300 counts toward MRA or Shared Maximum of $300 counts toward MRA or Shared Maximum of $300 counts toward MRA or Shared
Telemedicine Unlimited usage Unlimited usage Unlimited usage
Wellness (mental, behavioral, occupational, and other counseling services) 5 in-house visits per incident and unlimited teleconference 5 in-house visits per incident and unlimited teleconference 5 in-house visits per incident and unlimited teleconference
Maternity N/A N/A N/A
Lifetime Maximum Limit $1,000,000 $1,000,000 $1,000,000
Prescription Discount Plan Magellan RX Name brand and generic Name brand and generic Name brand and generic
  • If your family is more than five people, add $50 for each additional family member.
  • If husband and wife are both participating, “head of household” is based on the older spouse’s age.
  • No age banding for Copper Membership
  • Dependents over 23 years old must apply for individual plan
  • All eligibility, guidelines, and Statement of Standards apply

* Each additional member is $50 per month

Arizona’s Largest Provider Network.
PHCS MultiPlan

The Most Effective Discounts

The Broadest Access

The Quality Choice

FACILITIES

HOSPITAL
68

PRACTITIONERS

PRIMARY
5,722
SPECIALIST
14,656
Present Your Membership Card When You Get To Your Appointment, And Altrua Will Handle The Rest.
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Altrua Height/Weight Guidelines

At Altrua, we strongly believe that maintaining a healthy weight that is proportional to your height is vital to good health and excellent quality of life. To encourage our applicants and program participants to pursue a healthy weight and overall lifestyle, our guidelines require additional monthly contributions for those who fall within certain weight tiers. Click the + signs below to expand each chart and learn more!

Height $15.00 $30.00 $45.00 $60.00
4′ 10″ 150-159 lb. 160–169 lb. 170–179 lb. 180–189 lb.
4’ 11” 155–164 lb. 165–174 lb. 175–184 lb. 185–194 lb.
5’ 0” 160–169 lb. 170–179 lb. 180–189 lb. 190–199 lb.
5’ 1” 165-174 lb. 175–184 lb. 185–194 lb. 195–204 lb.
5’ 2” 170–179 lb. 180–189 lb. 190–199 lb. 200–209 lb.
5’ 3” 175–184 lb. 185–194 lb. 195–204 lb. 205–214 lb.
5’ 4” 180–189 lb. 190–199 lb. 200–209 lb. 210–219 lb.
5’ 5” 185–194 lb. 195–204 lb. 205–214 lb. 215–224 lb.
5’ 6” 190–199 lb. 200–209 lb. 210–219 lb. 220–229 lb.
5’ 7” 195–204 lb. 205–214 lb. 215–224 lb. 225–234 lb.
5’ 8” 200–209 lb. 210–219 lb. 220–229 lb. 230–239 lb.
5’ 9” 205–214 lb. 215–224 lb. 225–234 lb. 235–244 lb.
5’ 10” 210–219 lb. 220–229 lb. 230–239 lb. 240–249 lb.
5’ 11” 215–224 lb. 225–234 lb. 235–244 lb. 245–254 lb.
6’ 0” 220–229 lb. 230–239 lb. 240–249 lb. 250–259 lb.
6’ 1” 225–234 lb. 235–244 lb. 245–254 lb. 255–264 lb.
6’ 2” 230–239 lb. 240–249 lb. 250–259 lb. 260–269 lb.
6’ 3” 235–244 lb. 245–254 lb. 255–264 lb. 265–274 lb.
6’ 4” 240–249 lb. 250–259 lb. 260–269 lb. 270–279 lb.
6’ 5” 245–254 lb. 255–264 lb. 265–274 lb. 275–284 lb.
6’ 6” 250–259 lb. 260–269 lb. 270–279 lb. 280–289 lb.
6’ 7” 255–264 lb. 265–274 lb. 275–284 lb. 285–294 lb.
6’ 8” 260–269 lb. 270–279 lb. 280–289 lb. 290–299 lb.

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Height $15.00 $30.00 $45.00 $60.00
4′ 10″ 130-139 lb. 140–149 lb. 150–159 lb. 160–169 lb.
4’ 11” 145–154 lb. 155–164 lb. 165–174 lb. 175–184 lb.
5’ 0” 170–179 lb. 180–189 lb. 190–199 lb. 200–209 lb.
5’ 1” 175-184 lb. 185–194 lb. 195–204 lb. 205–214 lb.
5’ 2” 180–189 lb. 190–199 lb. 200–209 lb. 210–219 lb.
5’ 3” 185–194 lb. 195–204 lb. 205–214 lb. 215–224 lb.
5’ 4” 190–199 lb. 200–209 lb. 210–219 lb. 220–229 lb.
5’ 5” 195–204 lb. 205–214 lb. 215–224 lb. 225–234 lb.
5’ 6” 200–209 lb. 210–219 lb. 220–229 lb. 230–239 lb.
5’ 7” 205–214 lb. 215–224 lb. 225–234 lb. 235–244 lb.
5’ 8” 210–219 lb. 220–229 lb. 230–239 lb. 240–249 lb.
5’ 9” 215–224 lb. 225–234 lb. 235–244 lb. 245–254 lb.
5’ 10” 220–229 lb. 230–239 lb. 240–249 lb. 250–259 lb.
5’ 11” 225–234 lb. 235–244 lb. 245–254 lb. 255–264 lb.
6’ 0” 230–239 lb. 240–249 lb. 250–259 lb. 260–269 lb.
6’ 1” 235–244 lb. 245–254 lb. 255–264 lb. 265–274 lb.
6’ 2” 240–249 lb. 250–259 lb. 260–269 lb. 270–279 lb.
6’ 3” 245–254 lb. 255–264 lb. 265–274 lb. 275–284 lb.
6’ 4” 250–259 lb. 260–269 lb. 270–279 lb. 280–289 lb.
6’ 5” 255–264 lb. 265–274 lb. 275–284 lb. 285–294 lb.
6’ 6” 260–269 lb. 270–279 lb. 280–289 lb. 290–299 lb.
6’ 7” 265–274 lb. 275–284 lb. 285–294 lb. 295–304 lb.
6’ 8” 270–279 lb. 280–289 lb. 290–299 lb. 300–309 lb.

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  • Applicants whose weight falls into the 5th tier are subject to a $100 monthly contribution increase and lifetime limitations until they can achieve a weight that is below the 5th tier.
  • If at anytime Altrua HealthShare is notified that your weight has incresed or was submitted incorrectly, a height/weight increase will be added to your monthly contribution.
  • Altrua HealthShare offers a health and wellness program to assist prospective applicants with meeting and maintaining the required membership Height/Weight guidelines.

Things to Understand

While our goal at Altrua is to provide convenient, affordable healthcare for as many families and individuals in need as we can, our memberships have specific guidelines regarding various things so that we can provide the best insurance possible to you. These guidelines include sharing limits on cancer coverage, recreational vehicles, maternity eligibility and adoption, and more. Continue reading under each category below to learn more about these guidelines.

Cancer Coverage

Sharing Limits
Diamond & Emerald Memberships

90

Day Waiting Period For Cancer Treatment

(Pre-cancerous and cancer testing will now fall under radiology or labs and is subject to the 1st, then 2nd MRAs)

Cancer Treatment MRA

Year 1 – $4,000

Year 2 – $3,000

Year 3+ – $2,000

Max Sharing Amount

Year 1 – $10,000

Years 2+ – Subject to annual and lifetime max

  • 30-day notification of diagnosis no longer applies
  • Biennial screening requirements for females 40 and over and males 50 and over
  • If a required biennial screening is missed with clean results on file, member is responsible for 50% of the allowed amount after meeting the cancer treatment MRA

Sapphire & Ruby Memberships

  • 12 month waiting period for cancer treatment
  • 1st, then 2nd MRAs apply
  • 30 day notification of each diagnosis is no longer required
  • Biennial screening requirements for females 40 and over and males 50 and over
  • If a required biennial screening is missed, with clean results on file, member is responsible for 50% of the allowed amount after meeting the cancer treatment MRA

Recreational Vehicles

Sharing Limits

Injuries resulting from a recreational vehicle will be shared up to a maximum of

$10K Per Need

A Needs Processing Form is required before Altrua HealthShare will share on the member’s behalf. A recreational vehicle is a licensed or unlicensed motor vehicle operated on land or water (including ATVs, snowmobiles, motorized scooters, boats, jet skis, etc.) or a licensed motor vehicle with fewer than four wheels (including motorcycles), excluding motor homes, fifth wheels, and bumper-pull RVs. The vehicle’s operator(s) must be insured by a third party for any needs to be eligible. Altrua HealthShare will only consider the needs eligible once they have been processed by the liable third party.

Maternity Eligibility And Adoption

Sharing Limits

Maternity Sharing

Eligible For Members On Diamond And Emerald Memberships

90 day waiting period applies

$5,000 Maternity MRA applies per pregnancy

Eligible for negotiations – no longer only self-pay

Maximum sharing limit perpregnancy applies:

  • Year 1 – $12,000
  • Years 2+ – $25,000

Adoption Sharing

  • $5,000 Adoption MRA
  • $5,000 eligible for sharing once the Adoption MRA has been met
  • Limited to 2 adoption events per household for the lifetime of the membership
  • Adoption of multiple children is 1 event
  • 1st event eligible after 12 months of membership
  • 2nd event eligible 12 months from the date of the last adoption event reimbursement

Needs for maternity involving complications that threaten the life of the mother or the infant and requiring care or services not normally rendered at the time of delivery are not limited but are subject to meeting the MRAs.

Altrua Healthshare Limitations

Because Altrua Healthshare is community-based and medical bills are shared between members, there are certain limitations in place regarding various medical conditions. We do not completely rule out pre-existing conditions such as cancer, type 2 diabetes, autoimmune disease, endocrine disorders, and so much more, but we do require either a 2 year or 5 year stint where you must be free of symptoms before being eligible to share bills regarding these conditions.

5 Year Limitation

  • Breast Cancer
  • Bladder Cancer
  • Melanoma
  • Ovarian Cancer
  • Leukemia
  • Lung Cancer
  • Prostate Cancer
  • Colorectal Cancer
  • Non-melanoma skin cancer
  • Kidney Cancer
  • Non-Hodgkin Lymphoma
  • Other Cancer (that is not Basal Cell Carcinoma)
  • A 5-year limitation will supersede a 2-year limitation
  • EX. Prolapsed is a 2-year limitation; however, if the member has had surgery to correct it, it would be a 5-yr limitation
  • Rheumatoid Arthritis
  • Systemic Lupus Erythematosus
  • IBS (Inflammatory Bowel Disease)
  • Hashimoto’s Disease
  • Celiac Disease
  • Vitiligo
  • Psoriasis
  • Grave’s Disease
  • Sjogren Syndrome
  • Addison’s Disease
  • Other (Something that is not identified above
  • Bell’s Palsy
  • Epilepsy
  • Meningitis
  • ALS (Amyotrophic Lateral Sclerosis)
  • Multiple Sclerosis
  • Other (Something that is not identified above)
  • Anal Fissure
  • Gallstones
  • Ulcerative Colitis
  • Diverticulitis
  • GERD (Gastroesophageal Reflux Disease)
  • Chron’s Disease
  • Other (Something that is not identified above)
  • Lipomas
  • Papilloma’s
  • Myomas
  • Cysts
  • Other (Something that is not listed above
  • Heart Murmur
  • Heart Valve Disease
  • Cardiac Dysrhythmias
  • Heart Palpitations
  • Mitral Valve Prolapse
  • Other (Something that is not listed above)

2 Year Limitation

  • Tuberculosis
  • Malaria
  • Other (Something that is not identified above)
  • Vitamin D Deficiency
  • Anemia (Iron Deficiency)
  • Iodine Deficiency
  • Calcium Deficiency
  • Vitamin A Deficiency
  • Vitamin B 12 Deficiency
  • Magnesium Deficiency
  • Other (Something that is not identified above)
  • Hypothyroidism
  • Hyperglycemia
  • Osteoporosis
  • Hyperthyroidism
  • Hyperlipidemia
  • Other (Something that is not identified above)
  • Glaucoma
  • Cataract
  • Asthma
  • Pulmonary Hypertension
  • Sleep Apnea
  • Other (Something that is not identified above)
  • Endometriosis
  • Ovarian Cysts
  • Pelvic Inflammatory Disease
  • Cystitis
  • Endometriosis
  • Prolapsed Bladder
  • Rectal Prolapse
  • Uterine Fibroids
  • Benign Prostate Hyperplasia
  • Calculus of Kidney (Kidney Stones)
  • Polycystic Ovary Syndrome
  • Uterine Prolapse
  • Other (Something that is not identified above)
  • Acne
  • Shingles
  • Basal Cell Carcinoma
  • MRSA
  • Atopic Dermatitis (Eczema)
  • Rosacea
  • Cellulitis
  • Other (Something that is not identified above)
  • Asthma
  • Pulmonary Hypertension
  • Sleep Apnea
  • Other (Something that is not identified above)
  • Tendinitis
  • Fibromyalgia
  • Scoliosis
  • Carpal Tunnel Syndrome
  • Osteoarthritis
  • Other (Something that is not identified above

Free Telemedicine

What Conditions Can Be Treated By Telemedicine

Altrua Healthshare proudly offers telemedicine consults and appointments for the ease and convenience of our members. Check the list below to determine if your health concern is treatable by telemedicine!

  • Allergies
  • Asthma
  • Bronchitis
  • Cold & flu
  • Joint aches & pains
  • Rashes
  • Fever
  • Sore throat
  • Sports injuries
  • Respiratory infections
  • Sinus infections
  • Skin inflammations
  • Digestive issues
  • Gout
  • Migraines
  • Insect bites
  • Pink eye
  • Ear infections
  • Urinary tract infections
  • Stomach-ache
  • Nausea
  • And more!

Why Dialcare And Not The Doctor’s Office?

Save Money!!! Cost Savings To Both The Member And The Membership
Avoid long waits in crowded waiting rooms
24/7/365 access by phone or video, desktop and mobile devices
A private, secure experience
National network of U.S. based, licensed and fully credential doctors
Time savings and less time away from work

Mental Health & Wellness Coaching

• Stress Management
Helps the individual reduce the harmful effects of stress. Coaching is tailored to the individuals preferences and goals.

• Weight Management
Coaching focuses on lifestyle changes the individual can stick with for life.

• Sleep Habit Management
Helps individuals identify barriers to getting a good night’s sleep, assists with establishing strategies for overcoming them and creating goals for better sleep habits.

• Diabetes Prevention
Coaching for individuals that have been diagnosed with high blood sugar levels that are not yet in the diabetic range or those that have concerns about developing diabetes perhaps due to family history or other reasons. This program equips the member with the right prevention tools.

• Ask a Coach
Coaching to address questions that do not fit into one of the traditional coaching programs – an “outside the box” approach.

Discount Dental Vision Programs

Dental Programs

Sample Savings

Members may take advantage of savings offered by an industry leader in dental care. Careington International Corporation is one of the most recognized professional dental networks in the nation and boasts one of the largest dental networks nationally with a focus on neighborhood dentists. Careington networks are a leader in member-transparent pricing with robust fee schedules.

Careington Dental Plan Features:

Save 20% to 50% on most dental procedures including routine oral exams, unlimited cleanings, and major work such as dentures, root canals, and crowns

20% savings on orthodontics including braces and retainers for children and adults

20% reduction on specialist’s normal fees. Specialties include: Endodontics, Oral Surgery, Pediatric Dentistry, Periodontics, and Prosthodontics where available

Cosmetic dentistry such as bonding and veneers also included

All dentists must meet highly selective credentialing standards based on education, background, license standing and other requirements

Members may visit any participating dentist on the plan and change providers at any time

Description Regular Cost* Plan Cost** $ Savings Savings %
Adult Cleaning $126 $59 $67 53%
Child Cleaning $89 $43 $46 52%
Routine Checkup $73 $30 $43 59%
Four Bitewing X-rays $85 $38 $47 55%
Composite (White) Filling Code $201 $91 $110 55%
Crown (porcelain fused to noble metal) $1,424 $742 $682 48%
Complete Upper Denture $2,047 $985 $1,062 52%
Molar Root Canal $1,382 $718 $664 48%
Extraction (single tooth) $240 $100 $140 58%

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* Regular cost is based on the national average of the 80th percentile usual and customary rates as detailed in the 2015 FairHealth Report in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
** These fees represent the average of the assigned Careington Care POS fees in the Los Angeles, Orlando, Chicago and New York City metropolitan statistical areas.
Prices subject to change.

Visual Programs

Superior Vision*

Members save 5% to 30% off the retail price of eyewear with the Superior Vision discount program. Members are eligible for discounts on exams, eyeglasses, contact lenses and LASIK at more than 40,000 participating provider locations. Comprehensive eye exams can help detect signs of serious health conditions like glaucoma, diabetes, high blood pressure, and high cholesterol.

Service Regular Cost* Plan Cost Typical Member Savings
Vision Exam $155 $75 $80
Frames $130 $91 $39
Single Vision Lenses $80 $40 $40
Photochromics $100 $70 $30
Anti-Reflective Coating $102 $45 $57
Total $567 $321 $246

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*Not available in WA. **Represents national average retail costs comparing to Member Fee Schedule. The actual savings may vary based on amount purchased and location. This plan is not insurance.

FAQS

Altrua Ministries (dba Altrua HealthShare) is NOT an insurance company nor is the membership offered through an insurance company. Members are self-pay patients. Altrua Ministries is a 501(c)(3) nonprofit corporation

Yes! Once you have been in Diamond or Emerald membership for 90 days. The membership shares a maximum of $12,000 in year 1 and $25,000 in years 2+ with a MRA of $5,000. See Membership Guidelines for more information.

Our membership is for anyone looking for health care that agrees to our Statement of Standards.

It is NOT a contract. You can choose to quit the membership at any time. All new members pay a $100 application fee and a $25 fee that goes to Altrua Ministries that is not refundable. Altrua HealthShare does request that proper notification be given if a member chooses to quit for any reason. Please see Resources for more information.

Once your medical provider has properly processed your medical need to be shared by the membership, the medical need is adjudicated and payment is issued through the membership escrow account.

Your monthly contribution will vary based on your age, the number of members in your family and the membership plan you choose. See Membership Plans.

We are a recognized Health Care Sharing Ministry and members are eligible for exemption from the tax penalty. See Affordable Care Act for more information.

Yes, we are part of MultiPlan which is a network that the majority of medical providers participate in. If a medical provider is not a part of the MultiPlan network, they should still accept us as your medical sharing plan of choice. See Affiliated Providers for details.

Membership Guidelines

To learn more about our various guidelines for membership, click the link below to download the membership guidelines. This comprehensive booklet covers aspects such as qualifications, application process, costs, how bill sharing works, how to use your membership, your personal responsibilities, and so much more. Altrua Healthcare is committed to the health and wellbeing of our members, and are always available to offer assistance or answer questions regarding each plan tier. We look forward to serving you with quality healthcare at an affordable price!

Contact Us

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    20823 N Cave Creek Rd.
    Building B Suite 101
    Phoenix, AZ 85024

    (480) 680-8195