Comprehensive Health Coverage:
An Alternative to Major Medical
With the constant rising costs of health insurance premiums and the seeming decreases in coverage, people can find themselves desperately looking for a feasible alternative. Wouldn’t it be wonderful if great coverage with low premiums was available? No, this is not a dream. It’s a reality. With Aliera Healthcare, great alternative healthcare plans are now available.
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What is comprehensive healthcare coverage?
Comprehensive health coverage is medical healthcare for the full spectrum of medical needs. It provides for the regular medical needs of everyday life and unforeseen medical emergencies. Comprehensive health plans may also be referred to as major medical insurance, cost sharing plans, faith based medical coverage, health sharing medical coverage, health sharing plans, healthcare sharing ministries, and Christian healthcare plans.
The ideal candidate for a comprehensive medical plan
Comprehensive healthcare coverage is designed to meet the full range of its members’ medical needs, making it ideal for those with preexisting conditions, are aging, and or have growing families. People who tend to need to see the doctor often, have lab work performed, and may need procedures can know that their medical needs are being met. Families with small children that need regular check-ups and may catch common childhood illnesses, comprehensive coverage gives peace of mind.
Complete healthcare coverage
Comprehensive package policies are designed to cover all of its members’ medical needs. They cover visits to primary care physicians, urgent care clinics, regular preventive visits, telemedicine, specialty services, labs and diagnostics, hospitalizations, surgeries, emergency room visits, and prescriptions. Working much like a major medical plan, comprehensive healthcare plans take care of regular check-ups and medications along with the unexpected emergencies.
How comprehensive healthcare plans work
Because comprehensive health plans are health sharing plans, the monthly premiums are much lower than traditional major medical healthcare plans. The trade-off is that the member shared responsibility amount (MSRA) is high. The MSRA acts like a deductible in traditional insurance. Just like major medical, once the MSRA is reached, you have co-expenses until you reach your maximum out-of-pocket for the year. With several different types of plans to choose from, members can set their yearly MSRA anywhere from $1,000 to $5,000 for an individual or $3,000 to $15,000 for a family.
The difference between comprehensive healthcare coverage and major medical insurance
Major medical insurance must meet the minimum requirements of the Affordable Care Act (ACA). These requirements include preventive care, prescription drug coverage, emergency services, and hospitalization and the costs that come with it. Comprehensive plans give you all that plus the added benefit of ACA exemption from the individual responsibility requirements of the Patient Protection and Affordable Care Act (ACA). This means Aliera Healthcare members aren’t tied to the insurance mandates outlined within the ACA.
Aliera Healthcare’s membership requirements
The only requirement to be able to participate in a comprehensive medical healthcare plan is that members must sign the statement of belief saying they agree to it. Some stipulations may apply to preexisting conditions; but after a period of twenty-four continuous months of coverage have passed, the conditions are no longer considered preexisting; and restrictions are removed.
For anyone with individual medical needs or a growing family, comprehensive health insurance is a creative solution to overpriced traditional insurance. Through Aliera’s comprehensive health plans, individuals and families can have the coverage they need at a price they can afford. The peace of mind that comes with knowing healthcare needs are being properly cared can finally be had.
*All of the Aliera Healthcare plans for individuals and families are supported and are part of a healthcare sharing ministry, and thus members are exempt from any ACA penalties