Health Sharing – Standard Coverage

Everyday healthcare plans

Aliera Healthcare has coupled, through health care sharing ministries, the best of two programs: Aliera Minimum Essential Coverage (MEC) solution and HCSM Hospitalization and Surgery Plan. This two part offering provides the most flexible and cost effective program in the market today, while at the same time remaining independent of insurance. Neither program is insurance, yet ACA exemption applies for both individuals and families alike. The goal of our care management is to achieve an optimal level of wellness and improve coordination of care while providing cost-effective, non-duplicative services.

Alieracare Healthcare

Telemedicine

U.S. Board-Certified family practitioners, primary care physicians and internists diagnose, treat and write prescriptions when necessary, are available 24 hours a day, 7 days a week, 365 days a year. They can resolve most medical concerns via phone or video.

Preventive Care

Preventive and Primary Care are at the core of all AlieraCare Plans. This includes medical care needs such as office visits, a variety of screenings, wellness guidance, immunizations, etc.

Labs & Diagnostics

All PCP and Urgent Care labs are included in your monthly membership. Your membership includes over 180 different lab tests to ensure the medical care needed is covered.

Urgent Care

Services are covered at the nearest urgent care center for treatment of an injury or illness. Urgent Care handles medical situations that can’t wait or are just a little more complext than what your primary care physician normally performs.

Unity Healthshare

Included Membership*

Unity HealthshareSM is a health care sharing ministry which acts as a clearing house to administer sharing of health care needs for its members. The membership is based on a religious tradition of mutual aid, neighborly assistance and burden sharing. It specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices and believe in helping others.

Hospitalization

Hospitalization (both inpatient and outpatient) is covered once the Member Shared Responsibility Amount (MSRA) has been met, under all of these plans. The pre incident limit for coverage ranges from $150,000 to $1,000,000.

Surgery

Both in-patient and out-patient procedures are covered, once the MSRA has been met under all plans. The per incident limit for coverage ranges from $150,000 to $1,000,000.

*Because Unity HealthShareSM is a religious organization, members are required to agree with the organizations Statement of Beliefs: 1. We believe that our personal rights and liberties originate from God and are bestowed on us by God. 2. We believe every individual has a fundamental religious right to worship God in his or her own way. 3. We believe it is our moral and ethical obligation to assist our fellow man when they are in need according to our available resources and opportunity. 4. We believe it is our spiritual duty to God and our ethical duty to others to maintain a healthy lifestyle and avoid foods, behaviors or habits that produce sickness or disease to ourselves or others. 5. We believe it is our fundamental right of conscience to direct our own healthcare, in consultation with physicians, family or other valued advisers.

Premium

Enroll Now
Preventive Care*

100%

100%

100%

Telemedicine***

100%

100%

100%

Primary Care (PCP)1

1 per Year, $20 Consult Fee

3 per Year, $20 Consult Fee

5 per Year, $20 Consult Fee

PCP Chronic Care

Not covered

Not covered

Included @ PCP

Urgent Care

Not Covered

1 per year, $20 Consult Fee*

2 per year, $20 Consult Fee*

Labs & Diagnostics*

Preventive Only

PCP & Urgent Care**

PCP & Urgent Care**

X-Rays**

Preventive Only

100%**

100&**

Rx Discount

Included

Included

Included

Pediatrics

Preventive Only

Preventive Only

As Primary Care

OB/GYN

Preventive Only

Preventive Only

As Primary Care

Unity Healthshare3,4,5

VALUE

PLUS

PREMIUM

Hospitalization

Included

Included

Included

Inpatient Surgery2

Included

Included

Included

Outpatient Surgery2

Included

Included

Included

Speciality Care6

n/a

n/a

$75 Consult Fee (100% after MSRA)

Emergency Room7

Full MSRA

$500 MSRA

$300 MSRA

Maternity8

n/a

n/a

$5,000 Max

Incident Maximum Limit

$150,000

$250,000

$500,000

Lifetime Maximum Limit

$1,000,000

$1,000,000

$1,000,000

* Annual Physical unavailable until 9 months after effective date; Lifestyle lab testing not included.
** $25 Read-fee applies for x-rays at urgent care (may vary by city).
*** Telemedicine services not available in some states.
1 Consult fees may  vary by city. They could be up to $40 for members living in some cities such as New York City, Chicago, Detroit, Miami, Sacramento, Los Angeles, and San Francisco
2 Surgical benefits are not available for the first 6 months for the value and plus plan, first 2 months for the premium plan.
3 Pre-existing conditions have a 24-month waiting period.
4 Cancer coverage is provided after 12 months of continuous coverage, if a pre-existing cancer condition not not exist prior to or at the time of application.
5 Qualified dependents under the age of 20. Ages 20-26 can qualify as a dependent, if proven to be a full-time student.
6 The Consult Fee is in addition to the cost of your specialty visit and does not apply toward your annual MSRA.
7 ER visits are suject to review, and are meant only for life threatening situations. Maximum out-of-pocket is $300 or $500 depending on plan chosen.
8 Maternity benefits are not available for the first 10 months.

Pricing

$5,000 MSRA

Value

Age* Single Member+1 Family
<30 $187.85 $317.85 $408.85
30-39 $231.20 $391.20 $503.20
40-49 $260.10 $440.10 $566.10
50-59 $289.00 $489.00 $629.00
60-64 $346.80 $586.80 $754.80

Plus

Age* Single Member+1 Family
<30 $233.35 $337.35 $467.35
30-39 $287.20 $415.20 $575.20
40-49 $323.10 $467.10 $647.10
50-59 $359.00 $519.00 $719.00
60-64 $430.80 $622.80 $862.80

Premium

Age* Single Member+1 Family
<30 $265.85 $369.85 $510.85
30-39 $327.20 $455.20 $631.20
40-49 $368.10 $512.10 $710.10
50-59 $409.00 $569.00 $789.00
60-64 $490.80 $682.80 $946.80

$7,500 MSRA

Value

Age* Single Member+1 Family
<30 $168.35 $291.85 $389.35
30-39 $207.20 $359.20 $479.20
40-49 $233.10 $404.10 $539.10
50-59 $259.00 $449.00 $599.00
60-64 $310.80 $538.80 $718.80

Plus

Age* Single Member+1 Family
<30 $213.85 $317.85 $428.35
30-39 $263.20 $391.20 $527.20
40-49 $296.10 $440.10 $593.10
50-59 $329.00 $489.00 $659.00
60-64 $394.80 $586.80 $790.80

Premium

Age* Single Member+1 Family
<30 $233.35 $343.85 $480.35
30-39 $287.20 $423.20 $591.20
40-49 $323.10 $476.10 $665.10
50-59 $359.00 $529.00 $739.00
60-64 $430.80 $634.80 $886.80

$10,000 MSRA

Value

Age* Single Member+1 Family
<30 $142.35 $259.35 $356.85
30-39 $175.20 $319.20 $439.20
40-49 $197.10 $359.10 $494.10
50-59 $219.00 $399.00 $549.00
60-64 $262.80 $478.80 $658.80

Plus

Age* Single Member+1 Family
<30 $174.85 $291.85 $382.85
30-39 $215.20 $359.20 $471.20
40-49 $242.10 $404.10 $530.10
50-59 $269.00 $449.00 $589.00
60-64 $322.80 $538.80 $706.80

Premium

Age* Single Member+1 Family
<30 $207.35 $317.85 $421.85
30-39 $255.20 $391.20 $519.20
40-49 $287.10 $440.10 $584.10
50-59 $319.00 $489.00 $649.00
60-64 $382.80 $586.80 $778.80

Jack Palmer, Agent

CDI Lic # 0L77346
AHIP Certified
Covered California Certified

Contact

916-505-8950
jackpalmerbroker@outlook.com

Hours

Monday7:00 AM – 7:00 PM
Tuesday7:00 AM – 7:00 PM
Wednesday7:00 AM – 7:00 PM
Thursday7:00 AM – 7:00 PM
Friday7:00 AM – 7:00 PM
Saturday7:00 AM – 7:00 PM
Sunday7:00 AM – 7:00 PM