An Alternative to Major Medical
The cost of traditional medical plans continues to rise, even as the quality and quantity of healthcare services they offer decreases. The one-size-fit-all model of care isn’t really a solution for a lot of people. That’s why Aliera Healthcare provides a variety of comprehensive healthcare plans that give individuals and families quality healthcare choices at a price they can afford.
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What is a comprehensive plan?
Comprehensive healthcare plans provide services for a full spectrum of medical needs—from wellness, preventive and sick care to help with unforeseen medical emergencies. A comprehensive plan meets all the minimum essential service standards of the Affordable Care Act, plus a broad range of hospital and surgical services.
All of Aliera’s comprehensive cost-sharing plans include:
- Unlimited Telemedicine Visits
- Unlimited Wellness & Preventive Care
- Specialty Care
- Urgent Care
- A Prescription Discount Program
- Maternity Services
- Emergency Services
- Hospitalization Services
- Surgical Services
The ideal candidate for a comprehensive medical plan
A comprehensive healthcare plan is designed to meet a member’s full range of medical needs. It is a perfect solution for those who have pre-existing conditions, need chronic medical care or have growing families. It’s also great for those who simply want to have peace of mind, knowing that they will be able to receive the healthcare services they need, when they need them.
Consider a comprehensive healthcare plan if you:
- Can’t afford a traditional medical plan through Healthcare.gov or your employer
- Are not eligible for government subsidies
- Want a more comprehensive solution—similar to the traditional options you may be accustomed to seeing
- Missed open enrollment
How comprehensive healthcare plans work
Because Aliera’s comprehensive health plans are based on cost sharing, monthly contributions are much lower than with traditional major medical plans. The trade-off is that the member shared responsibility amount (MSRA) is high. The MSRA is the amount of money a member must pay out of pocket before cost sharing begins. Once the MSRA is reached, members share a portion of all eligible services until the yearly out-of-pocket maximum is met. With several different types of plans to choose from, individuals can pick a yearly MSRA anywhere from $1,000 to $10,000; families between $3,000 and $30,000.
Aliera Healthcare’s membership requirements
The only requirement to participate in a comprehensive medical healthcare plan is that members must complete an enrollment form in which they agree to and sign a short Statement of Beliefs. Like any healthcare plan, there are limitations and exclusions to the services offered with each of the Aliera solutions; therefore, it’s important that members understand the advantages and disadvantages of the plans they choose.