Liberty HealthShare offers health-conscious individuals and families an affordable way to share medical care expenses in a like-minded community. Liberty HealthShare is not insurance. They are a Christian membership-based, non-profit organization that helps facilitate the voluntary sharing between members to pay each other’s medical costs.
Christian Healthcare Ministries
Christian Care Ministries
Affordable HealthSharing Programs
With medical cost saving programs starting as low as $199/month, there’s a Liberty HealthShare option for families of any size or budget. Their supportive and compassionate programs provide you with a unique way of managing and caring for your health.
Liberty HealthShare structured their programs to give their members flexibility to select the contribution and monthly share amounts that best match their resources and circumstances. There are four program options to choose from which offer:
- Freedom to choose the program that best matches your needs
- Allows you to visit a doctor of your choice
- Provides you with membership tools and resources to save you time and money
- Gives you the convenience of enrolling at any time without deadlines or contracts
The best option offered at Liberty Healthshare and the one that I personally use myself. I initially started off with the Couple sharing level for the first year. As two pretty healthy people, we didn’t need to use our healthshare much, so I was not able to judge Liberty much. However, after about a year of using Liberty HealthShare, my wife and I had our first child and moved up to the family sharing level once he was born. We used our Liberty Complete option throughout the entire process.
With Liberty Complete, members share up to 100% of eligible medical expenses, up to $1 million per incident per person. After you fulfill your Annual Unshared Amount (AUA), you may share eligible medical costs. The Annual Unshared Amount for each program level must be paid before medical costs are eligible for sharing.
Liberty Plus is another option, which provides lower monthly share amounts, and members share up to $125,000 in eligible medical expenses, per incident per person.
The Liberty Share program offers even lower monthly share amounts with up to 70% of eligible medical expenses up to $125,000 per incident.
Every Liberty HealthShare program includes access to Healthcare Bluebook, a tremendous tool to help you navigate to the best healthcare, providing transparency and offering the opportunity for substantial savings through comparison-shopping. A new prescription savings program and Liberty TeleHealth are available at every program level.
When I first heard about Liberty Healthshare, I waited a couple of months before actually signing up. I spent a lot of time calling them and trying to poke holes in healthsharing ministries. The sales staff was absolutely awesome! They were very patient with me and were happy to answer any questions I had.
Eventually, I was sold. I decided to give Liberty HealthShare a try and went ahead and signed up.
There is no enrollment period, so you can sign up anytime.
After speaking with Liberty HealthShare’s membership enrollment team members, I was on to the enrollment process. Liberty HealthShare’s website has a simple enrollment form that you can fill out. This just lets their enrollment team know to contact you to get the ball rolling.
A member of Liberty HealthShare’s enrollment team will contact you to go over the next steps. The process was surprisingly simple. I was sent some forms to fill out and email back to them. The forms took me about 30 minutes to complete. After that, I believe I paid an enrollment fee and my application was well underway.
There is also a period first 2 months where you are conditionally enrolled. This means if you are to get into an accident, members would still help you with your medical bills. However, if something came up that seemed like a pre-existing problem that they were not aware of, there is a chance they would not share into that. I thought this was fair enough as it keeps them from getting scammed by people.
I must admit, at first, I was pretty confused about how healthsharing ministries worked. The very little amount of information that I found on the internet led me to believe that I would be sending other members my money. This seemed pretty complex to me….but I was wrong.
Liberty HealthShare has a super easy way of submitting your monthly sharing amount. Online, you can simply add your credit card and elect for a monthly draft. In my case, I have my month share drafted from my account at the beginning of the month. That money goes into a secure member portal called a “ShareBox” where the money is then sent to those who need it for medical bills. When logging into my ShareBox, I can see where my money is going each month. Members can elect to show their names or remain anonymous. There is an option where you can decide how you want to be displayed when you receive money as well.
When you have a bill to submit, all you need to do is log in to your account and upload the bill to your ShareBox. As your bill is being processed, you will receive email updates that something has happened with the bill.
Submitting for reimbursement
A lot of times, I will go to a doctor where I have a $50 or $100 office visit. In cases like this, I will just decide to pay the bill out of my pocket and submit this to Liberty HealthShare members for reimbursement. Many times, as a self-pay patient you can ask for a discount from the provider and pay upfront for a service. If so, you submit your itemized bill and receipt via your ShareBox.
Submitting a bill directly
If you’re able to do so, submitting a bill directly to Liberty HealthShare is always the best option. For larger services, like the birth of our child, you aren’t expected to pay upfront — instead, you are just sent a bill. This is always great because you can just upload the bill to your ShareBox and your provider will receive payment directly.
If you can, always talk to a provider about the potential of a self-pay discount and getting a bill instead of paying up front. This could end up keeping a lot of money in your pocket!
Are you a member of Liberty Healthshare? Please leave a review below so others can get a better sense of what it’s like to be a part of a Liberty Healthshare!
If you have any questions about Liberty Healthshare, contact us or hit us up on Twitter or Facebook!
Join our Facebook Group
Talk to actual members