Altrua healthshare - PowerPoint Presentation

Altrua healthshare Update for 2019

Is health sharing still a viable option? As the insurance debacle continues to spiral into the unknown, Health Care Sharing, continues adjust to the needs of consumers that are looking for true alternatives Health Care Sharing Memberships have grown to almost 2 million members over the past 36 months Health Care Providers are beginning to take notice of the HCSM services and becoming more and more open to the concept of Health Care Sharing Financial stability within the HCSM have become stronger then ever before, while providing greater benefits at a 1/3 of what typical marketplace premiums cost Sharing percentages have doubled over the past several years and in the case of Altrua Healthshare it’s in-house negotiation team saved it’s members in 2017, 81% average on their medical bills

Exploring the Altrua Health Sharing Option Altrua HealthShare has gone through a major transformation to do a better job of handling growth as well as conforming to the needs of the consumer and agents offering the membership plans. To ensure a smoother operation Altrua’s, and its administrative company, Crown Administrators, has implemented the following: $2 million in systems overhaul, automating all systems Upgraded enrollment platform directly into our Salesforce system Building out new claims app system to fully auto-adjudicate New member portal Building a member mobile app to launch Jan 1st Successful monthly member contribution at 98% Possible commission payouts in 45 days of member effective date in 2019 Removed trip wires in guidelines opening up shared programs Many more features

Age Single Member+1 Family 0-39 $269.00 $403.00$538.0040-49$296.00$444.00$605.0050-59$363.00$625.00$740.0060-64$470.00$820.00$874.0065+N/AN/AN/A Monthly Contribution Request for Altrua Standard GOLD SILVER AgeSingleMember+1Family0-39$242.00$376.00$504.0040-49$269.00$417.00$551.0050-59$336.00$578.00$672.0060-64$403.00$740.00$806.0065+N/AN/AN/A BRONZE AgeSingleMember+1Family0-39$135.00$269.00$370.0040-49$202.00$302.00$403.0050-59$269.00$470.00$504.0060-64$336.00$605.00$672.0065+N/AN/AN/A If your family is larger than five, add $50 more for each additional family member. If husband and wife are both participating, “head-of-household” is based on the older spouse’s age. Membership TypeGold SilverBronze1st MRA*$500 per person per calendar year$1,000 per person per calendar year$1,500 per person per calendar year2nd MRA* Affiliated Provider and Hospitals25% of the next $10,00025% of the next $10,00025% of the next $10,000Office Visits MRA*Includes Urgent Care6 visits perCalendar year**Included up to $300 per visit with a $35 MRA for Affiliated ProvidersIncluded up to $300 per visit with a $35 MRA for Affiliated Providers**Not AvailableTelemedicineUnlimited UsageUnlimited UsageUnlimited UsageWellness10 Mental Health, Nutrition and wellness consultation annually10 Mental Health, Nutrition and wellness consultation annually10 Mental Health, Nutrition and wellness consultation annuallyMaternity$7000 for couples meeting Maternity Requirements$5000 for couples meeting Maternity RequirementsNot AvailablePrescriptions- Generic and Name Brand Prescription Program ServiceMagellan RXPrescription Program ServiceMagellan RXPrescription Program ServiceMagellan RXAnnual Maximum LimitNot ApplicableNot Applicable$250,000Lifetime Maximum Limit$2,000,000$1,000,000$1,000,000 Altrua Membership Types *Member Responsibility Amount (Out of Pocket) **Females 40 and older/Males 50 and older get 1 additional office visit for wellness screenings Affiliated Provider: PHCS network www.multiplan.com (Limitations & Pre-X do not apply to office visits)

Altrua Copper Plan ($7,500 MRA)   Single Member + 1 Member +2* Monthly Membership Contribution $100.00$150.00$200.00 1st MRA $7,500 per member per calendar year $7,500 per member per calendar year$7,500 per member per calendar yearAnnual Maximum Limit$150,000 per member$150,000 per member$150,000 per memberOffice visit/Urgent Care Maximum $300 counts toward MRA or SharedMaximum $300 counts toward MRA or Shared Maximum $300 counts toward MRA or Shared TelemedicineUnlimited UsageUnlimited UsageUnlimited UsageWellness10 Mental Health, Nutrition and wellness consultation 10 Mental Health, Nutrition and wellness consultation 10 Mental Health, Nutrition and wellness consultation Maternityn/a n/a n/aLifetime Maximum Limit$1,000,000$1,000,000$1,000,000Prescription discount planMagellan RXName Brand and GenericName Brand and GenericName Brand and GenericNo age banding for Copper Membership$100 application fee for Copper Membership. Ministry Fee of $25 and annual membership fee of $100 applies to Copper MembershipDependents over 23 must apply for individual planAll eligibility, guidelines and Statement of Standards applyEach additional member is $50 per month

Altrua vs. Typical Insurance Average Premium Cost family for a family of 5: $1675 monthly Altrua Contribution cost family of 5: $538 monthly (Gold Standard) Here is how Altrua is able to save money: Instead of taking a profit like Major Medical insurance Altrua is a coop with no profit: Savings $500 We reduce the cost of healthcare by admitting new members with a healthy lifestyle: Savings $200 We reduce the cost of healthcare by pre selecting facilities that charge a reasonable fee: Savings $200We reduce the cost of healthcare by negotiating claims, with an average discount of 86%: Savings $300

Plan Changes Altrua Healthshare is moving to the full PHCS network and no longer just the Practitioner network. This opens up a tremendous number of providers for the members. Adding influenza immunization for all membership plans up to $30.00 reimbursements per immunization Member must be active for 12 consecutive months, death certificate, official cause of death and must be eligible under the Membership Guidelines, Proof of payment up to the maximum sharing limit of $5,000 per household or member. Added a wellness partner that will allow 10 visits for mental health, counseling, weight management, etc. that Altrua does not share in. This will be a good marketing tool for pushing a healthier mind and body. Will include discounts for vision and dental. And be included in all plan types.

Plan Changes Include Recreational in certain membership plan types: The Recreational Limit includes eligible medical needs arising from interscholastic, intercollegiate, and community- or church-organized team sports or programs and extreme sports. $25K on the Gold and $15K on the Silver annually. Include Occupational in certain membership plan types: The Occupational Limit includes sharing of medical needs related to income-producing or work-related activities up to a cap for each plan. $15K on the Gold and $10K on the Silver annually. Adjustments to verbiage in Statement of Standards Remove Fulltime Student and Fulltime Service Volunteer status requirement as of 1/1/19 and allow up to 23th birthday Group enrollment and plan in conjunction with McGriff (formally Regions Ins) group to exempt employer

Memberships are Available in all 50 states and US territories