Every year during open enrollment, Liberty HealthShare experiences even greater and faster growth than normal. Although we are not bound by this enrollment season, many Americans choose to join us at that time. This year was no exception to the rule, so we know a good number of you are new or relatively new members. If you are just joining us, no doubt you have some questions about the way membership works, how sharing is accomplished, and other concepts related to Liberty HealthShare. Thanks to our member services department, which has compiled a list of questions our new members are asking, we are here to help.
One of the most commonly-asked questions we get is simply “how does this work?” If you’ve made the decision to join Liberty HealthShare, we hope and trust you at least have some understanding of our mission, but we also recognize that leaving the third-party payer model of paying for healthcare requires a paradigm shift.
In short, Liberty HealthShare makes possible the sharing of eligible medical costs between our members. The money involved is the members’; the sharing of costs is simply facilitated by Liberty. Members are exempt from the individual mandate of the Affordable Care Act, so they are not subject to fines if they do not have insurance. Liberty HealthShare members agree to a set of shared beliefs which animate the mutual sharing of one another’s unexpected, unaffordable, eligible medical costs.
There is no guarantee of payment. Instead, the community understands and agrees to the shared responsibility of honoring their commitment and wisely stewarding the shared resources of the group. At each membership level, there is an Annual Unshared Amount (AUA) that must first be met before sharing begins. Our Sharing Guidelines detail the nuances of those costs in which Liberty HealthShare will and will not share according to our beliefs and wise cost-containment strategies.
Of course, this explanation will not answer every question concerning the healthcare sharing model, but it should give you a basic understanding of how we function. If you look around our website, you will see there are many other places where answers may be found.
A few other questions that commonly come up (and their answers) are as follows:
- What constitutes a wellness visit and are they eligible for sharing?
- Wellness visits pertain to prevention and the upkeep of good health. Examples include annual pap tests for women, annual physicals, well baby visits for infants, and vaccines.
- These visits are not subject to the AUA, provided they are completed on the schedule outlined in the Sharing Guidelines.
- More information is available on page 19 of the Sharing Guidelines.
- Are prescriptions sharable? What about my cholesterol or high blood pressure medication? Do you have a discount card for pharmaceuticals?
- Tier 1, 2, and 3 prescriptions are not shareable.
- Tier 4 prescription medications are shareable, subject to the annual unshared amount (AUA) for 45 days after an accident or illness. After 45 days have passed, the prescription is considered a “maintenance medication” and is no longer shareable.
- Liberty HealthShare members at the Plus and Complete levels participate in the SavNet discount program, which can help lower the cost of some medications. Visit the SavNet4Liberty website for more.
- More information is available on page 16 of the Sharing Guidelines.
- Does Liberty HealthShare share in chiropractic care?
- As long as chiropractic care is not a pre-existing condition, it is shareable up to 12 visits a year.
- Chiropractic care is subject to the AUA.
- More information is available on page 10 of the Sharing Guidelines.
- Which forms in the New Member Packet must be filled out? I also see the same forms in my ShareBox. Do I need to fill them out twice?
- The medical release form, medical needs agreement, and provider nomination form all need to be filled out and returned.
- You have the option to either fill out paper copies or submit them online. You do not need to do both. Online is more convenient for most.
- How do I submit a bill in my ShareBox? I have a friend who wants to join. How do I refer her? What information can I find in my ShareBox?
- Getting familiar with the ShareBox just takes a little time. We encourage you to log in and take a look around. Click the links and see where they take you. Many of the tasks you can complete are self-explanatory.
- Click here to view our Submit-a-Bill tutorial and here for the Refer a Friend blog post and tutorial.
- Other capabilities include checking on the status of a submitted bill, sharing and receiving messages of encouragement and cheer with other members, and viewing your sharing history.
These are only a few of the questions we receive from week to week, but we have found they come up quite a lot. Our hope is that this list is useful as you learn more about the community you have joined and the ministry that helps you and other members to achieve healthcare freedom in your own lives.
Of course, you can always call us at 855-585-4237 and ask for our Member Services department if you have any further questions. Our staff is happy to help.
*PLEASE NOTE: AS THE GUIDELINES UNDERGO REVIEW AND CHANGES FOLLOWING EACH YEAR'S MEMBER VOTE, THIS INFORMATION MAY NOT BE THE MOST CURRENT. BE SURE TO REVIEW THE SHARING GUIDELINES LINKED ABOVE AND ON THE LIBERTY HEALTHSHARE HOME PAGE TO OBTAIN THE MOST CURRENT INFORMATION.