Just a completely terrible experience. Deny every claim or attempt to pre authorize a need for service, then don't reimburse when you pay out of pocket. This market was created because of to much regulation in health insurance. This company is a great example of why some level of regulation is needed. Everything that I have experienced with this company is negative and I regret ever getting involved
After switching to Altrua from Blue Cross with the understanding that I had equal to or better coverage from all I read and was promised from my Altrua representative, with my first and only claim for my daughter, I found this was woefully untrue. My daughter had chronic fatigue syndrome and was taken to the hospital for review to make sure she was ok. She ended up being ok with some rest, but the claim was COMPLETELY denied for every service provided. I understand that this in not a fully qualified plan, but I did not know that certain classifications would not warrant any support or coverage based upon subjective responses built around the rejection of claims. They claimed it was a mental health issue whihc is not covered at all (READ THE FINE PRINT) Fully qualified plans cover things like mental health, but altruistic ministries DO NOT! Even in the event its not a mental health case, you ca nstill be denied if they feel like it is. I was told over and over again it is just "their guidelines". How convenient! My guideleins for coverage are to be covered, therefore, DO NOT GO WITH A FALSE MINISTRY claing to help the world. They have losser subjective denial policies than the corprate insurance monoliths. Finding out after thousands sent to Altrua that I have no coverage for my daughter/senior in high school is disgusting by any standard. They post stories about cancer survivors whihc is great publcity, but that won't help you in a crisis. www.altrua-sucks.com
This company misrepresents themselves as a healthcare provider...Not only did my coverage not exist but they charged me double what I was promised. They claim to be a faith based organization but I feel they use that to try to make people comfortable giving them money over the phone. DO NOT DO BUSINESS with this company because after they billed me they later told me that the coverage didnt exist because they coudlnt process the billing. The costumer service department continued to give me the run around and didnt settle any of my issues. For a company who claims to follow in the path of our lord its horrible that they lean on that and continue to lie to me about my plan and decieve me just to get my money. After thinking I had coverage with health insurance I was in a accident and because they couldnt process my health plan I am stuck with $49,756 in hospitals bills as well as a tax penalty from our government. This is outrageous that they are allowed to present themselves as decent peole and are complete frauds. This incident has ruined my life and dont want them to ruin anyone life and credit wit with hospital bills thinkng that they are insured
Altrua HealthShare Reviews
No "Faith" in Faith based
Just a completely terrible experience. Deny every claim or attempt to pre authorize a need for service, then don't reimburse when you pay out of pocket. This market was created because of to much regulation in health insurance. This company is a great example of why some level of regulation is needed. Everything that I have experienced with this company is negative and I regret ever getting involved
After switching to Altrua from Blue Cross with the understanding that I had equal to or better coverage from all I read and was promised from my Altrua representative, with my first and only claim for my daughter, I found this was woefully untrue. My daughter had chronic fatigue syndrome and was taken to the hospital for review to make sure she was ok. She ended up being ok with some rest, but the claim was COMPLETELY denied for every service provided. I understand that this in not a fully qualified plan, but I did not know that certain classifications would not warrant any support or coverage based upon subjective responses built around the rejection of claims. They claimed it was a mental health issue whihc is not covered at all (READ THE FINE PRINT) Fully qualified plans cover things like mental health, but altruistic ministries DO NOT! Even in the event its not a mental health case, you ca nstill be denied if they feel like it is. I was told over and over again it is just "their guidelines". How convenient! My guideleins for coverage are to be covered, therefore, DO NOT GO WITH A FALSE MINISTRY claing to help the world. They have losser subjective denial policies than the corprate insurance monoliths. Finding out after thousands sent to Altrua that I have no coverage for my daughter/senior in high school is disgusting by any standard. They post stories about cancer survivors whihc is great publcity, but that won't help you in a crisis. www.altrua-sucks.com
This company misrepresents themselves as a healthcare provider...Not only did my coverage not exist but they charged me double what I was promised. They claim to be a faith based organization but I feel they use that to try to make people comfortable giving them money over the phone. DO NOT DO BUSINESS with this company because after they billed me they later told me that the coverage didnt exist because they coudlnt process the billing. The costumer service department continued to give me the run around and didnt settle any of my issues. For a company who claims to follow in the path of our lord its horrible that they lean on that and continue to lie to me about my plan and decieve me just to get my money. After thinking I had coverage with health insurance I was in a accident and because they couldnt process my health plan I am stuck with $49,756 in hospitals bills as well as a tax penalty from our government. This is outrageous that they are allowed to present themselves as decent peole and are complete frauds. This incident has ruined my life and dont want them to ruin anyone life and credit wit with hospital bills thinkng that they are insured