Health Sharing

for small Business

Health Care & Wellness for Small Business

Why is health care important for small business? Under the Employer Mandate, the Affordable Care Act requires that all employers with more than 50 employees must offer affordable health insurance. Kaiser Family Foundation reports that only 56% percent of small firms offer health benefits to their workers. Having a competitive benefits package is key to recruiting and maintaining the top talent in a tight job market. Your company is only as good as the team you build, and it is common sense to ensure that those valuable team-members remain pleased.

Why Alluriam? Alluriam works for the users, through independent primary health care providers, and health sharing ministries in a way that is convenient, efficient, and cost effective for all. The Enterprise Access Program (EAP) serves as an occupational health platform, such that employees, managers, and healthcare providers can interact in a simple and efficient manner.  An essential complement to the EAP is the Alluriam Health Coach, who acts as care coordinators for the enrolled partners.  Health Coaches are trained health providers who can visualize the members health information, coordinate with the health care providers, and report important information to managers such as a sick leave or when are employees expected to return to work.

 

The Health Sharing Approach

Health Care Sharing Ministries (HCSMs): Established by U.S. Federal regulation, provide a lower cost unregulated alternative to health insurance. In a HCSM, members take it as a matter of faith, not law, that others will voluntarily make contributions to help with their own medical costs. This is very different from health insurance, which is a contract where an insurer becomes legally responsible for and accepts someone’s risk of loss (i.e., their medical bills), in exchange for the payment of premiums. Therefore, we may decline membership or limit sharing participation for individuals with pre-existing medical conditions and active or ongoing medical needs related to such conditions. If we did not decline membership or sharing in such situations, it would dramatically increase the possibility of immediate expenses exceeding our sharing capacity. Also, since there is no insurance policy or “policy term” involved, there is no defined time for joining. Members can join whenever they wish, and their membership continues for as long as they want.

1.5 million Americans are currently enrolled in fast-growing health sharing programs.

Universal Health Fellowship (UHF): Universal Health Fellowship is a not for profit healthcare sharing ministry that coordinates voluntary contributions for the sharing of eligible health care costs among program members.   The program does not share expenses resulting from certain behaviors and lifestyle choices that are commonly recognized to be detrimental to personal health. The programs  been specifically designed for individuals who appreciate and respect the blessing of good health and are committed to helping themselves and others stay healthy. Members share one another’s qualifying medical needs, and Universal Health Fellowship simply serves to facilitate and coordinate this sharing, directing members ‘contributions to others in the program with eligible needs. There are several programs to choose from that are many times 40% less expensive that traditional insurance monthly premiums.  1.5 million Americans are currently enrolled in fast-growing health sharing programs, too many simply do not know that sharing programs exist.

  1. Members can access the Multiplan/PHCS nationwide provider network with over 700,000 practitioners and ancillary providers.
  2. 24/7 telemedicine consultations are immediately available, while brief waiting periods apply for certain services.
  3. Members can choose any hospital anywhere in the continental USA for inpatient and outpatient services.
  4. RxSimpleShare shares only for drugs that are on the approved formulary list. There is a $5 co-share payment per prescription and sharing is limited to $500 maximum per month.
  5. Healthy Life Programs include an annual Non-Sharable Amount or NSA. This is the amount of medical expenses that must be paid before medical expenses can become eligible for sharing. Universal HealthShare offers a range of programs with Non-Sharable Amounts (NSA) as low as $2,000 for individual, $4,000 for a family of two, and $6,000 for a family of three or more.
  6. Healthy Life Programs have waiting periods of 90 days that apply to different medical services including in-patient and out-patient hospital room and board and surgery. This 90-day waiting period will count toward any more specific sharing program waiting period.
  7. Conditions that exist at the time of enrollment that have evidenced symptoms and/or received treatment and/or medication within the past 36 months are not eligible for sharing during the first two years of Membership, except where specifically noted within the Sharing Guidelines. After the first year of continuous monthly membership, medical expenses incurred for a pre-existing condition are eligible for sharing up to the annual program limits inclusive of any other eligible, sharable medical expenses incurred throughout the Program Year, as if the condition were not pre-existing.

Universal Health Fellowship is united by their faith in the ethical, moral, and spiritual principles and traditions of the Unitarian Universalist (“UU”) Church.  You do not need to be a member of the Church to participate.

Healthy Life EasyShare Programs

Please refer to the Universal HealthShare Sharing Program & Guidelines for details.

Programs ES50 ES25
Provider Networks
Professional & Ancillary Medical Services
Multiplan/PHCS Practitioner and Ancillary Network – Sharing of physician and ancillary service expenses is available only for In Network providers.
Hospital Services
Sharing of eligible expenses is available for any accredited hospital in the United States. This program does not use a hospital network.
Application Fee and Monthly Membership Dues
Application Fee (Nonrefundable)
$75
$75
UHF Monthly Membership Dues per Household
$15
$15
Healthy Life EasyShare Restrictions and Maximums
Annual Healthy Life EasyShare Maximum per Member
$50,000 sharing limit for all medical needs and services for the program year.
$25,000 sharing limit for all medical needs and services for the program year.
Maximum Lifetime Sharable Amount
$500,000 lifetime sharing limit per Member
$250,000 lifetime sharing limit per Member
Annual Physical / Well Child Exam and Other Preventive Services
After 30 days, Members are eligible for one Routine Physical (Adults) or Well Child Exam (Children) per year. Sharing for Routine Physical, Well Child Exam and other Preventive Care services combined is limited to $500 per Member per year.
Pre-Existing Conditions
Restricted sharing for pre-existing conditions. (Pre-existing conditions are defined as conditions that, at the time of enrollment, have exhibited symptoms or received treatment or medication in the prior 36 months. For some conditions, such as cancer, this period is 60 months.)
Medical Services
Member Responsibility
Annual Physical, Wellness Exam, and Preventive Services Office Visits
Member pays $25 Consultation Fee
Member pays $50 Consultation Fee
Primary Care and Pediatric Care (limited to four Office Visits per year, combined
Member pays $25 Consultation Fee
Member pays $40 Consultation Fee
Specialty Care (limited to two Office Visits per year
Member pays $50 Consultation Fee
Member pays $75 Consultation Fee
Urgent Care (limited to two Office Visits per year)
Member pays $75 Consultation Fee
Member pays $75 Consultation Fee
Hospitalization Room & Board Limit per Day
Member pays any charge above $3,000 per day
Member pays any charge above $2,500 per day
Maximum Hospital Days per Year
10
10
Surgery costs are sharable up to the annual Healthy Life EasyShare limit per procedure, for a maximum of two procedures per year
2 surgeries per year. Member pays any charge above $3,000 per surgery
2 surgeries per year. Member pays any charge above $2,500 per surgery
Emergency Room Healthy Life EasyShare Limit is two Incidents per year
Member pays any charges above $1,000
Member pays any charges above $1,000
Ambulance Healthy Life EasyShare Limit Two Incidents per year
Member pays any charges above $500 per incident
Member pays any charges above $500 per incident
CT Scan - limit two per year
Member pays any charges above $400 fee per scan
Member pays any charges above $400 fee per scan
MRI - limit two per year
Member pays any charges above $400 fee per imaging series
Member pays any charges above $400 fee per imaging series
X-rays - limit two per year
Member pays any charges above $250 per X-ray series
Member pays any charges above $250 per X-ray series
RxSimpleShare Prescription Drug Program
RxSimpleShare
RxSimpleShare shares only for drugs that are on the approved formulary list. There is a $5 co-share payment per prescription and sharing is limited to $500 maximum per month. A 30-day waiting period applies for new UHS program members
Pharmaceuticals
Prescription drugs are eligible for sharing when provided by a hospital as part of inpatient treatment or during an outpatient surgical procedure