Changes for 2018 and Certification

Changes for 2018 and Certification
Altrua Webinar Changes for 2018 and Certification

Representative Certification
2017 Module 1 “Overview”

Curriculum expectations and outcomes
Training will consist of 3 modules, followed by an invitation to a online 50 question multiple choice exam. Minimum passing score is 84%. You have as many as 3 attempts to pass the test. Utilize all electronic and printed resources provided to you for study and preparation for the test. Upon completion with a passing score each representative will be issued a login for their individual portal. This portal will allow representatives to enroll and track their customers. Exclusively for Representative Training and Certification use only

History & Overview of Altrua Ministries/Crown HealthShare Administrators
Altrua Ministries has been in existence since 1999 Altrua Ministries (dba Altrua HealthShare) is a 501(c)(3), operated by Crown HealthShare Administrators, Inc. NOT health insurance, instead a recognized Health Care Sharing Ministry (HCSM), with CMS, exempting its members from the penalties of the Affordable Care Act (ACA) What separates Altrua from the other HCSM offerings Operates under a Statement of Standards not a Statement of Faith Altrua is not tied to a specific religious background but open to all walks of faith Allowing individuals of multiple faiths to be eligible for membership Altrua can be offered to prospective members nationwide Member needs are paid from an Escrow Account not individually shared member to member

Altrua members are called to abide by the Statement of Standards as set forth in the ‘Member Guidelines’ As a certified representative for Altrua, can you comfortably, confidently and professionally represent the following? Can You: Believe in caring for one another Believe in living a clean and healthy lifestyle Agree the use of tobacco, illegal drugs and excessive alcohol consumption is harmful Agree sexual relations outside the bond of marriage is morally wrong Agree marriage is to be between a man and a woman only Agree abortion is wrong except in life-threatening circumstances for the mother Agree physical, mental or emotional abuse of anyone is morally wrong Exclusively for Representative Training and Certification use only

Altrua HealthShare Statement of Standards
I agree to live a clean and healthy lifestyle and share the following faith-based beliefs : I believe in caring for one another I believe in keeping my body clean and healthy with proper nutrition. I believe the use of tobacco, illicit drugs, and excessive alcohol consumption is harmful to the body and soul. I believe sexual relations outside the bond of marriage is morally wrong and marriage is a bond between a man and a woman only. I believe abortion is wrong, except in a life-threatening situation to the mother. I believe I am obligated to care for my family and physical, mental or emotional abuse of any kind to a family member or anyone else is morally wrong. Exclusively for Representative Training and Certification use only

HCSM programs are NOT health insurance
Members are considered by the medical profession to be self-pay patients Typically, shared costs are lower negotiated costs for services than are charged to health insurance companies Some individuals may not be eligible or have a membership limitation due to certain past medical history or present medical conditions. HCSM were born in the early 1980’s, they have grown and thrived over the past 30+ years as an alternative to traditional health insurance ever rising costs and skyrocketing health care costs Members do not participate in subsidizing or paying for certain lifestyle choices others make which continue to add to the rising costs of traditional health insurance Today nearly 1.2 million Americans participate in HCSM and more are joining across America every day according to the Alliance of Health Care Sharing Ministries Exclusively for Representative Training and Certification use only

Overview and Disclaimer
Medical needs are shared and members eligible needs are reimbursed out of an escrow account member contributions are paid into monthly Membership is not into an insurance company and does not guarantee or promise that eligible medical needs will be shared by the membership To date all eligible medical needs on behalf of the membership have been shared Eligible medical needs the membership is unable to share will remain the financial responsibility of the member should the program cease to operate This program is an opportunity for like minded members to care for one another in a time of need This program is not insurance and it is not a legally binding agreement to reimburse any member for medical needs Exclusively for Representative Training and Certification use only

HCSM programs are NOT health insurance
Exclusively for Representative Training and Certification use only

Affiliated Provider: PHCS network www.multiplan.com
Altrua Standard Membership Types Monthly Contribution Request for Altrua Standard Membership Type Gold Standard Silver Bronze 1st MRA* $500 per person per calendar year $1,000 per person per calendar year $1,500 per person per calendar year 2nd MRA* Affiliated Provider and Hospitals 25% of the next $10,000 Office Visits MRA* Includes Urgent Care 6 visits per Calendar year** Included up to $300 per visit with a $35 MRA for Affiliated Providers Included up to $300 per visit with a $35 MRA for Affiliated Providers** Not Available Telemedicine Unlimited Utilization, with no consultation fee Maternity $4,000 max. normal delivery: $6,000 max medically necessary C-section Prescriptions- Generic and Brand Prescription Program Service Magellan RX Annual Maximum Limit Not Applicable $50,000 Lifetime Maximum Limit $1,000,000 GOLD STANDARD Age Single Member+1 Family 0-39 $269.00 $403.00 $538.00 40-49 $296.00 $444.00 $605.00 50-59 $363.00 $625.00 $740.00 60-64 $470.00 $820.00 $874.00 65+ N/A SILVER STANDARD Age Single Member+1 Family 0-39 $242.00 $376.00 $504.00 40-49 $269.00 $417.00 $551.00 50-59 $336.00 $578.00 $672.00 60-64 $403.00 $740.00 $806.00 65+ N/A BRONZE STANDARD Age Single Member+1 Family 0-39 $135.00 $269.00 $370.00 40-49 $202.00 $302.00 $403.00 50-59 $470.00 $504.00 60-64 $336.00 $605.00 $672.00 65+ N/A *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 (Limitations & Pre-X do not apply to office visits) 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. If head of household is 65 or over, contribution is based on younger spouse’s age. Office Visit MRA does not apply to 65+ Medicare plans.

Affiliated Provider: PHCS network www.multiplan.com
Altrua Advantage Membership Types Monthly Contribution Request for Altrua Advantage GOLD ADVANTAGE Membership Type Gold Advantage Silver Bronze 1st MRA* $3,000 per person per calendar year $3,500 per person per calendar year $4,000 per person per calendar year 2nd MRA* Affiliated Provider N/A Office Visits MRA* Includes Urgent Care 6 visits per Calendar year** Included up to $300 per visit with a $35 MRA for Affiliated Providers Included up to $300 per visit with a $35 MRA for Affiliated Providers** Not Available Telemedicine Unlimited Utilization, with no consultation fee Maternity $4,000 max. normal delivery: $6,000 max medically necessary C-section Prescriptions – Generic and Brand Prescription Program Service Discount Magellan RX Annual Maximum Limit Not Applicable $50,000 Lifetime Maximum Limit $1,000,000 Age Single Member+1 Family 0-39 $224.00 $336.00 $448.00 40-49 $246.00 $370.00 $504.00 50-59 $302.00 $521.00 $616.00 60-64 $392.00 $683.00 $728.00 65+ N/A SILVER ADVANTAGE Age Single Member+1 Family 0-39 $202.00 $314.00 $420.00 40-49 $224.00 $347.00 $459.00 50-59 $280.00 $482.00 $560.00 60-64 $336.00 $616.00 $672.00 65+ N/A BRONZE ADVANTAGE Age Single Member+1 Family 0-39 $112.00 $224.00 $308.00 40-49 $168.00 $252.00 $336.00 50-59 $392.00 $420.00 60-64 $280.00 $504.00 $560.00 65+ N/A *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 (Limitations & Pre-X do not apply to office visits) 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. If head of household is 65 or over, contribution is based on younger spouse’s age.

Altrua Copper Plan ($7,500 MRA) Altrua Copper Plan ($10,000 MRA)
Single Member + 1 Family (up to 3) Monthly Membership Contribution $100.00 $150.00 $200.00 1st MRA $7,500 per member per calendar year Annual Maximum Limit $150,000 per member Office visit/Urgent Care Maximum $300 counts toward MRA or Shared Maternity n/a Lifetime Maximum Limit $1,000,000 Prescription discount plan Magellan RX Name Brand and Generic Single Member + 1 Family (up to 3) Monthly Membership Contribution $90.00 $140.00 $190.00 1st MRA $10,000 per person per calendar year Annual Maximum Limit $150,000 per member Office visit/Urgent Care Maximum $300 counts toward MRA or Shared Maternity n/a Lifetime Maximum Limit $1,000,000 Prescription Magellan RX Name Brand and Generic No age banding for Copper Membership No application fee for Copper Membership. Ministry Fee of $25 and annual membership fee of $100 applies to Copper Membership Dependents over 20 must apply for individual plan All eligibility, guidelines and Statement of Standards apply

Membership Qualifications
Financial Participation – Overview Application fee - $100 (non-refundable)– currently - BUT NOT ON THE “COPPER” PLAN Annual membership contribution - $100 (non-refundable) – currently - including the “COPPER” PLAN Altrua Ministries donation - $25 (non-refundable) – currently at time of application – voluntary year 2 and beyond A missed monthly contribution will result in that month’s eligible needs not being shared An inactive membership can be reinstated when past due contributions are made within 60 days, after that a new application and underwriting will be required Plan upgrade requires application and underwriting – downgrade is a simple change request Exclusively for Representative Training and Certification use only

Definition of guideline and application terms
Commonly used and understood terms, Affiliated Provider – contracted with the PHCS network, with whom Altrua works Application Date – the date the representative or member completes the online enrollment process Contributor – person named as head of household under the membership Escrow Instructions – contained on the membership application outlining the order in which voluntary monthly contributions may be shared by Altrua HealthShare ie: Operating Expense – Member Needs – Liquidation Cost Guidelines – an outline for eligible medical needs in which contributions are shared in accordance with the membership escrow instructions Member(s) – person or persons who qualify to receive voluntary sharing of contributions for eligible medical needs according to the membership escrow instructions, guidelines and membership type Exclusively for Representative Training and Certification use only

Definition of guideline and application terms
Commonly used and understood terms Membership Commitment Form – signed and submitted annually to demonstrate commitment to membership requirements Membership Limitation – A specified medical condition for which medical needs arising from or associated with the condition are ineligible. An associated condition is one that is caused directly and primarily by the medical condition that is specifically ineligible. The membership limitation will be issued during the application process, and may be subject to medical review. Membership limitations do not apply to office visits/urgent care. Member Responsibility Amounts (MRA) – The amounts of an eligible need that do not qualify for sharing because the member is responsible for those amounts. Monthly Contributions – Monetary contributions, excluding the annual membership fee, voluntarily given to Altura Healthshare, to hold as an escrow agent, and to disburse accordingly to the Escrow Instructions. Needs – Charges or expenses for medical services from a licensed medical professional (M.D., D.O. N. D. Chiropractor, P.T., P.A., etc.) or facility due to illness, accident, or injury for a single member. Non-affiliated Provider – A non-network medical care professional or facility as determined by Altura HealthShare. Usual, Customary and Reasonable (UCR) – The lesser of the actual charge or the charge most other providers would make for those or comparable services or supplies, determined by Altrua HealthShare. Exclusively for Representative Training and Certification use only

2017 Module 2 “Ethics and Compliance”

Ethics & Compliance Regional Member Representatives
The purpose of these ethical and compliance guidelines is to establish that all representatives are expected to adhere to doing what is right and honorable in their public and private conduct. These guidelines establish and promote an understanding of professional conduct as representatives of Altrua HealthShare Representatives should endeavor to place the public interest above their own Representatives should seek continually to maintain and improve their professional knowledge, skills and competence. Representatives should obey all laws and regulations, and should avoid any conduct or activity that would cause harm to others. Representatives should be diligent in the performance of their occupational duties and should continually strive to improve the functioning of the Health Care Sharing Ministries (HCSM) mechanism. Exclusively for Representative Training and Certification use only

Representatives should aspire to raise the professional and ethical standards in the Health Care Sharing Ministries (HCSM) system. Representatives should strive to establish and maintain dignified and honorable relationships with those whom they serve, with fellow representatives and with members of other professions. Representatives should assist in improving the public understanding of the Health Care Sharing Ministries (HCSM) and risk management. Representatives should provide considerate and courteous service as well as respect personal privacy and dignity of all members and prospective members Exclusively for Representative Training and Certification use only

Representatives should ensure the application process is completed accurately with all needed information and documentation submitted correctly Representatives must never finance contributions, donations or fees themselves on behalf of the prospective members Representatives must ensure prospective members receive appropriate documentation as defined in guidelines provided by the company Representatives will fully comply with Membership Guidelines when assisting prospective members to ensure plan eligibility is met and loss ratio standard of less than 75% each year is maintained Exclusively for Representative Training and Certification use only

Representatives will not call the program ‘insurance’ Although it works similarly it is a HCSM, an approved alternative to traditional health insurance plans Representatives will not use ‘insurance’ terminology Although by definition many principals and procedures are similar the HCSM terminology ‘must’ be used at all times Representatives will not say ‘guaranteed issue’ A prospective member is accepted for consideration with Altrua acceptance of the application however medical information review must be completed before ‘full’ or ‘limited’ membership will be offered Representatives will not say eligible needs will always be reimbursed Only needs incurred on or after the membership effective date are eligible and subject to review for conditions and circumstances which have been declared as ineligible under membership guidelines Exclusively for Representative Training and Certification use only

Ethics Regional Member Representatives
Representatives may Prospect for prospective members as follows: Health conscious members that adhere to a healthy standard of living (criteria must be met by each applicant to ensure that Altrua members are sharing with like-minded people who are free from addictions and unhealthy lifestyles) Faith Based individuals and groups that focus on biblical principles Churches – Private Schools – Non-profit organizations – Associations – Organizations Individuals and families of all ages Public and Private Business both small and large Prospective applicants of Altrua are not limited to certain times of the year in which membership is available Ask for referrals from family, friends, networking contacts and prospective Altrua members Exclusively for Representative Training and Certification use only

2017 Module 3 “Program Basics”

Application – Process and Procedure An application MUST be submitted electronically through the representative or consumer portal by the 20th of the month. If all is in order by the 20th of the month, membership is the 1st of the next month otherwise, the 1st of the following month Example: 1-20 May becomes 1st June – May becomes 1st July Changes to existing plans must be in by the 15th of the month for a 1st of the month effective change Payment Methods ACH – no fees – except if rejected by financial institution Debit Card Credit Card Exclusively for Representative Training and Certification use only

Medical History – Overview A full list of automatic decline conditions will be provided to each representative One of the few contribution rate-ups for members are in the Height/Weight – guidelines Certain medical conditions may result in a pre-existing waiting period or membership limitations When it is discovered that a prospective member or active member did not provide complete and accurate medical history or information Membership can be declined A retroactive membership limitation can be implemented Active membership can be retroactively declined It is important for a representative to submit an to enrollment with any health conditions that have been forgotten during the enrollment process. A membership limitation can be removed with appropriate medical evidence Exclusively for Representative Training and Certification use only

Dependents - Qualifications Who qualifies: Spouse living under the same roof Newborn of the spouse/mother with an eligible maternity. Otherwise newborn/mother can be added with an Add On Application after 30 days from delivery. Children under the age of 20 Adopted children Single, 20 through 24 year old (does NOT apply to COPPER) Full-time student (copy of 12 credit hours per semester for Bachelors, 9 credit hours per semester for Masters Degree) Full-time service volunteer (copy of call letter needed) Older dependents due to medical conditions verified by a qualified health professional Once no longer meeting the dependent qualifications, one has to apply for individual membership to continue as a member It is the head of household responsibility to ensure all dependents meet and comply with the Statement of Standards and membership guidelines Exclusively for Representative Training and Certification use only

Needs arising from a defined and disclosed listing are not eligible Any need for which there was a pre-existing condition 24 months prior to member's’ effective date, are ineligible for the first 24 months of membership. Lifestyles or activities engaged in after the application date that conflicts the Statement of Standards and/or Membership Guidelines Surgery during the first 90 days of membership unless delay could result in health or bodily harm Elective abortion of a viable fetus/embryo, unless medically necessary to protect the mother’s life Infertility testing or treatment, as well as any birth control measures to prevent conception Maternity resulting from adultery or fornication by the member Hysterectomy without securing two independent medical opinions. Both must agree to the medical need Chiropractic is not eligible within 12 months of effective date Physical Therapy is not eligible with 12 months of effective date unless it accompanies and eligible surgery accidental injury that occurred after the effective date. Any services needing preauthorization within 90 days of effective date. Exclusively for Representative Training and Certification use only

Needs arising from a defined and disclosed listing are not eligible (cont.) Hospital stays exceeding 60 days Purchase or rental of durable or reusable equipment or devices (DME), including associated supplies or office visits Psychiatric or psychological counseling, testing, treatment, medication and hospitalization Mental or psychiatric health, learning disability, developmental delay, autism, behavior disorders, eating disorders, neuropsychological, testing, alcohol/substance abuse counseling, attention deficit disorder or hyperactivity Second surgeries on previously eligible surgical needs are ineligible UNLESS; (i) Member has unexpected and provoked emergency situation within 30 days of first surgery (ii) The member’s provider has established, prior to initial surgery, that one or more follow up surgeries with be required to fulfill the treatment of the condition. This is subject to review by a licensed medical professional. Handling charges, conveyance fees, STAT fees, shipping/handling fees, administration fees, missed appointment fees, telephone/ consultations, and after-hour fees. Personal aircraft including; hang gliders, parasails, parasails, ultra lights, hot air balloons, sky diving, and any other aircraft not operated by a commercially licensed public carrier. Extreme sports or activities perceived as high level of danger. Exclusively for Representative Training and Certification use only

Sharing Limits Total eligible needs shared from escrowed funds are limited as defined in this section and as further limited in writing to the individual member Lifetime Limit – The maximum amount shared for eligible needs over the course of an individual member’s lifetime participation in the program. – currently $1,000,000 Annual Limit – The maximum amount shared for eligible needs per member per calendar year of participation in the program – currently Altrua Standard and Advantage – Gold and Silver – currently, no limit Altrua Standard and Advantage – Bronze – currently $50,000 Altrua “Copper Plan” – currently $150,00 Membership Responsibility Amounts (MRA) – Eligible needs are limited to the amounts in excess of the MRA, which are applied per individual member per calendar year MRA(s) – The eligible amount that does not qualify for sharing based on the membership type chosen by the member. Office Visit MRA – The member will pay a $35 MRA of which does not applies toward meeting the overall member MRA of the membership type chosen – limitations and pre-ex do not apply (excluding cancer) Pre-payment of Services – Members pre-paying at time of service without providing Altrua the opportunity to discount eligible needs, will only have those needs shared at 50%. Pre- authorization is the only exception Exclusively for Representative Training and Certification use only

Sharing Limits Total eligible needs shared from escrowed funds are limited as defined in this section and as further limited in writing to the individual member You may choose to submit an additional one-time contribution of $500 to increase the shared amount for recreational activities to a maximum of $25,000 per eligible member, for 365 days You will be responsible for a $2000 Recreational MRA. After that is met, Altrua HealthShare will share up to $25,000 as 100% of the total allowed amount. This includes eligible needs arising from interscholastic, intercollegiate, and community-or church –organized team sports or programs. Submitting the Recreation Activities Share Increases waives the 90-day waiting period for eligibility. Recreational Vehicles – Injuries resulting from a recreational vehicle will be shared up to a maximum of $10, per need. A Needs Processing Form is required before Altrua HealthShare will share on the member’s behalf. A recreational vehicle is a licensed or unlicensed motor vehicle operated on land or water (including ATVs, snowmobiles, motorized scooters, boats, jet skis, etc.) or a licensed motor vehicle with less than four wheels (including motorcycles) excluding motor homes, 5th wheels, and bumper pull RVs. The vehicle’s operator(s) must be insured by a third party for any needs to be eligible. Altrua HealthShare will only consider the needs eligible once they have been processed by the liable third party. Exclusively for Representative Training and Certification use only

Sharing Limits Organ Transplant Limit – Eligible needs may be shared up to a maximum of $150,000 per member not to exceed the maximum sharing limit per membership type Home Infusion Therapy Limit – Eligible needs may be shared up to a maximum of 50% of allowed charges Other Resources – Needs do not qualify for sharing to the extent that they are discountable by the provider or payable by an institutional source such as insurance, VA/Tricare, private grants or by a liable third party. If the member does not cooperate fully and assist Altrua in determining if the need is discountable or payable by another party, the need will not be eligible for sharing. Sharing of monthly contributions for a need that is later paid or found to be payable by an institutional source or a liable third party will automatically allow Altrua full rights to recover from the member the amount shared on their behalf Altrua will be secondary to other health coverage members have. Altrua will require a copy of the other carrier’s EOB in order to determine what sharing will consist of. Exclusively for Representative Training and Certification use only

Emergency Room Limits Pre-notification Requirements
Non-Emergency Surgery, Procedure or Test – The member must have the procedures or services pre-authorized as medically necessary prior to receiving the service. Failure to comply with this requirement will render the service not eligible for sharing. ER Visits: Non-emergent use of the emergency room is ineligible. Medical records will be reviewed for all ER visits to determine eligibility, An emergency is defined as treatment that must be rendered to the patient immediately for the alleviation of the sudden onset of an unforeseen illness or injury that, if not treated, would lead to further disability or death. Examples of an emergency include, but are not limited to; sever pain, choking, major bleeding, heat attack or a sudden unexplained loss of consciousness. Altrua HealthShare MUST BE NOTIFIED IN OF ALL ER VISITS WITHIN 96 HOURS OF DISCHARGE. Exclusively for Representative Training and Certification use only

Cancer Sharing Limits No diagnosis or treatment of any cancer is shared in during the first 12 months of membership Eligibility for Cancer Needs – In order for needs related to the following cancer diagnosis to be eligible: Prostate, Breast, Cervical, Endometrial and Ovarian Cancers Female members, age 40 and over, are required to get screening tests every two years from the date of the last negative result, while on the membership: mammogram, or ultrasound in place of mammogram, and pap- smear with pelvic exams for female members. Male members, age 50 and over, are required to get a PSA blood test every two years from the date of last negative test result. Failure to obtain the biennial tests will render future needs listed above as ineligible. The biennial tests must be performed within 24 months of their last clean test result and submitted to Altrua HealthShare. For new members, the aforementioned cancers will be eligible for sharing 12 months after the receipt of clean test results Altrua HealthShare within 30 days from the member’s effective date. If the new member does not submit the clean test results within 30 days, the aforementioned cancer will be eligible for sharing 12 months from the date the clean test results were received by Altrua HealthShare. Exclusively for Representative Training and Certification use only

Maternity Eligibility and Sharing Limits
Maternity – For a mother who has been a member for 10 consecutive months in a combined membership with a gold or silver membership type prior to conception Needs for maternity involving complications that threaten the life of the mother or the infant and requiring care or services not normally rendered at the time of delivery are not limited but are subject to meeting the MRA’s. If a mother has not been a member as required, needs for maternity will not be eligible for sharing The newborn will be eligible to participate, 30 days after delivery, subject to the application process Complications of pregnancy or medical needs for the newborn beyond routine hospital care are not subject to maternity sharing limits. Complications of pregnancy does not include false labor, spotting, doctor prescribed rest, morning sickness, etc Once pregnant the member must notify Altrua to determine eligibility criteria have been met. The member will have the choice of 2 reimbursement options. Exclusively for Representative Training and Certification use only

Optional Benefits-2018 Telemedicine product added to membership plans. There will be no utilization cap or consultation fee Occupational coverage (24 hour coverage) You may choose to submit an additional one-time annual contribution of $1,500 to increase the shared amount for income-producing activities to a maximum of $50,000 per eligible member, for 365 days This is also called Workers Comp…self-employed people are not required to carry this plan on themselves. Funeral Sharing-When a member dies, Altrua HelathShare is there to help ease the burden for you and your family in your time of grief. Sharing of funeral needs is one way those in the membership can help care for one another. If a person’s membership was active at the time of death, up to $5000 of these final funeral expenses are eligible for sharing. (Plan changes are subject to approval and will be approved and in effective Jan. 1, 2018) Exclusively for Representative Training and Certification use only

Denied Needs If a need is denied as not eligible, and there is a dispute, the aggrieved member or any other aggrieved party may seek reconsideration only through the appeal procedure described herein. Appeals Most situations can be resolved simply by calling a Member Services Representative at Altrua. The matter will be reviewed and can usually be resolved within 10 business days. Denials due to a retroactive decline for membership or a membership limitation are only reviewed if the aggrieved party submits a formal appeal. The aggrieved party may formally appeal any denied need by following the established formal appeal procedure which requires a formal appeal to be in writing and an appeal fee to be deposited with Altrua. The appeal is first reviewed by a supervisor, then if necessary by the Altrua Appeals Board. If the original denial is upheld, the appeal fee is not returned. If the denial is overturned, an amount equal to double the total of all appeal fees deposited will be returned to whoever made the appeal. To have any degree of merit, an appeal should address at least one of the following three questions: What information does Altrua have that is either incomplete or incorrect? How do you believe Altrua has misinterpreted the information already on hand? What provision in the Altrua guidelines do you believe Altrua applied incorrectly? Exclusively for Representative Training and Certification use only

Members Rights and Responsibilities
Member Rights: Receive considerate, courteous service with respect for personal privacy and dignity Receive accurate information regarding membership guidelines Have needs processed accurately once all necessary documentation has been received Member Responsibilities: Ask questions and make certain that you understand the explanations and instructions you are given Ask questions and understand the consequences of refusing a recommended medical treatment. Refusal of treatment may mean future medical needs will not be eligible for sharing Exclusively for Representative Training and Certification use only

Changes for 2018 and Certification

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