The CarePlus Catastrophic plan is made specifically for healthy individuals and families who are looking for something for that “what if” instance. What this means is that they are worried about the major medical events that could potentially bankrupt them. By offering sharing for hospitalization, inpatient and outpatient surgery, emergency room benefits and more the CarePlus plan benefits members by offering that peace of mind for major health emergencies. As a bonus, it also includes 100% access to our First Call Telemedicine Service and offers the ability to receive prescription discounts through RX Valet.
AL, AR, AZ, CA, CO, CT, DE, FL, GA, IA, ID, IL, IN, KS, KY, LA, MA, MI, MN, MO, MS, NC, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WI, WV
Aliera Healthcare Plan Disclosures
This is not a contract. This is a voluntary program offered by Aliera Healthcare, in relationship with a HealthCare Sharing Ministry (HCSM) program offered within certain plans. Your membership is with Aliera and cannot be transferred to anyone else. Only you and your enrolled dependents are eligible under the membership.
All Aliera members utilizing any Health Care Sharing Ministry services are required to declare their acknowledgment of the Statement of Beliefs and make an attestation that they are of like mind with the ministry beliefs.
Statement of Beliefs
THE MINISTRY IS NOT AN INSURANCE COMPANY AND THE MINISTRY DOES NOT OFFER ANY INSURANCE PRODUCTS OR POLICIES. THE MINISTRY DOES NOT ASSUME ANY RISK FOR YOUR MEDICAL EXPENSES, AND THE MINISTRY MAKES NO PROMISE TO PAY. HEALTH CARE SHARING MINISTRIES ARE NOT GOVERNED BY INSURANCE LAWS.
THE HEALTH CARE SHARING MINISTRY OFFERS VOLUNTARY PARTICIPATION IN ITS HEALTH CARE SHARING MINISTRY. MINISTRY SERVICES ARE ADMINISTERED BY ALIERA HEALTHCARE, INC.
This is not Insurance
A Health Care Sharing Ministry (“HCSM”) is a group of individuals that share a common set of ethical or religious beliefs and share their medical expenses in accordance with those beliefs without regard to the state in which a member resides or is employed.
Services are based on a religious tradition of mutual aid, neighborly assistance, and burden sharing. The ministry does not subsidize self-destructive behaviors and lifestyles but is specifically tailored for individuals who maintain a healthy lifestyle, make responsible choices regarding health and care, and believe in helping others. A Health Care Sharing Ministry program is NOT health insurance.
YOU SHOULD CONSULT WITH A TAX PROFESSIONAL FOR DETAILS REGARDING YOUR EXEMPTION.
Health Care Sharing Disclosures
Promise to Pay
The ministry does not make a promise to pay or any guarantee of payment of your medical expenses. You will be responsible for the payment of your medical bills. The ministry does not assume your risk. The ministry does not guarantee that your medical expenses will be shared by other members participating in an Aliera Plan that utilize health care sharing services.
Participation in the ministry HCSM is voluntary. Enrollment as an Aliera member and participant of the ministry HCSM is voluntary and the sharing of monetary contributions are also voluntary. Enrollment in the ministry sharing plan is not a contract. You are free to cancel your participation at any time. The ministry requests a Monthly Share Amount, to be collected each month you are enrolled, to facilitate the payment of sharing requests published on behalf of other participants.
The ministry manages its sharing contributions by establishing guidelines that define eligible sharing (“Guidelines”). The Guidelines are not a contract of insurance. They do not constitute an agreement, a promise to pay, or an obligation to share. The Guidelines are intended to ensure that every participant has paid their own medical expenses, as they are financially able, before requesting others to share with you to assist in paying remaining medical expenses. The Guidelines specify what type of expenses are eligible for sharing requests, so all participants of the ministry HCSM can expect a reasonable and equitable level of sharing requests to be published monthly.
The ministry is authorized to exclude sharing for pre-existing conditions. You are required to fully disclose pre-existing conditions as part of your participation in the HCSM. The ministry reserves the right to exclude sharing eligibility for any pre-existing conditions, whether disclosed at the time of your enrollment or discovered after the effective date of the membership.
AlieraCare Value, Plus, Premium
AlieraCare Bronze, Silver, Gold
Dates of Service
The ministry reserves the right to make updates to its Guidelines at any time. The Guidelines in effect at the time of service will supersede all previous versions of the Guidelines. Members will be notified in advance of updates.
Membership Dues and Fees
The ministry will assign a recommended cost sharing amount to the membership each month (“Monthly Share Amount”). By submitting the Monthly Share Amount, you instruct the ministry to assign your contribution as prescribed by the Guidelines.
Up to 40% of your member contribution goes towards the administration of this plan and other general overhead costs to successfully carry out the duties of administering these services.
Membership Guidelines Details
Each Aliera member is responsible for reviewing the HCSM Guidelines provided at the time of enrollment, and to abide by the terms of the Guidelines. It is your responsibility to understand which of your medical expenses are eligible for cost sharing, and which medical expenses are NOT eligible for cost sharing. Members are also provided with a toll-free number to contact Member Services with any questions they have. It is recommended that members call Member Services with any questions regarding eligibility prior to seeking medical services.
You are entitled to a full refund, including the one-time enrollment fee, if you cancel your membership within 10 days of the effective date of the membership. You must cancel within 10 days of your effective date to be eligible for a full refund.
If you are canceling your membership after the first 30 days of your membership, you may be eligible for a refund of the most recently paid membership period, but only if you cancel within 10 days of your scheduled billing date. Any cancellation requests processed more than 10 days from the scheduled billing date will NOT receive a refund, and the membership will remain active until the end of that billing period.
Refunds will be processed as a credit to the same card or account provided for billing. Requests involving refunds payable by check may be delayed up to 30 business days.
|Standard||1-5 business days||$7.95|
|Two Day||2 business days||$15|
|Next Day||1 business day||$30|
|* Free on orders of $50 or more|