Frequently Asked Questions
Align Health enrollment is always open. Enroll by the 20th of the month and benefits begin on the first day of the following month.
Align offers Virtual and In-Person plans. We also have plans that are ACA Compliant. Review our plans here and contact us for more information.
Pre-existing conditions have a waiting or phase in period. We attempt to negotiate all medical bills received and many membership types include the PHCS network for pre-negotiated medical expenses. See plan details for more information.
The Network Plus+ Plan is compliant with Part A of the Affordable Care Act and The Minimum Value Plan (MVP) is compliant with Part B of the Affordable Care Act. The Virtual and Direct Plans are not insurance and are not ACA compliant.
A membership-based non-insurance arrangement established for the purpose of sharing legitimate healthcare expenses between members. An IUA is the amount paid by the Member before the community shares in Medical Expenses. Member households that experience multiple needs within a 12-month rolling membership year are asked to pay up to three Initial Unshareable Amounts per year.