Tagged: Healthcare Costs
Liberty Select FAQ
Liberty HealthShare is launching a new sharing program, Liberty Select. This new program offers lower monthly share amounts, along with a higher annual unshared amount (AUA) for each sharing level within the new program. We answered your questions about Liberty's new program in this FAQ.
The Self-Pay Patient: How to Eliminate Surprise Medical Bills
An educated medical consumer is a health sharing ministry’s best member. Liberty, for example, helps members eliminate suprise medical bills and offers multiple tools to its members to secure the best pricing as a self-pay consumer.
November and December Liberty HealthShare HealthTrac Graduates
Graduating from HealthTrac means a member has reached the goals they have set with their health coach by making lifestyle changes that positively impact overall health. Click below to view HealthTrac graduates for November and December
New Prescription Pharmacy Program is a Game Changer
HealthShareRx, a revolutionary pharmacy program, is available to all Liberty HealthShare members at no extra cost. This program offers savings on the most used medications, acute illness medications for emergencies, maintenance medications for chronic health conditions, and over-the-counter medications for common ailments are all included.
August & September Liberty HealthShare HealthTrac Graduates
Graduating from HealthTrac means a member has reached the goals they have set with their health coach by making lifestyle changes that positively impact overall health. Click below to view HealthTrac graduates for August and September
A Message from Our CEO: Liberty Healthshare Leads the Way in Medical Cost Transparency
The Healthcare Bluebook tool is at the forefront of a much-needed revolution in our approach to healthcare, but that’s not surprising. After all, “liberty” is just another word for freedom. Liberty is giving our members the freedom they deserve to choose the best medical care at the best price.
Find Quality Health Providers Who Offer You Fair Pricing
Liberty members now have access to the [Healthcare Bluebook Mobile App](https://www.screencast.com/t/rHQFynZd6yW), a web tool that makes it possible for patients to search for, compare, and, ultimately, save on healthcare costs.
Accessing Healthcare as a Self-Pay Patient
Liberty HealthShare members are considered “self-pay patients." This means that we function more like customers, shopping for the best value when accessing healthcare. Most of us have little to no prior experience with this. So where do we begin? It’s actually not as complicated as it seems.
The Benefits of Healthcare Sharing
By choosing a faith-based, community solution to the problem of skyrocketing healthcare costs and becoming active participants in their care, healthcare sharing ministry members are keeping more of their hard-earned money and helping return sanity to the American healthcare system at large.
Think Outside the Insurance Box
When a Liberty HealthShare member calls to say he or she has received a serious medical diagnosis, our staff aims to respond with compassion and a plan. When members Steve and Melinda received serious news about Steve's health, they experienced what our provider relations team can do.
What Happens To My Bill?
You're a member who has successfully shared a bill! You worked closely with your doctor to evaluate the course of your care, you pre-notified Liberty HealthShare of the procedure, and your bill was submitted promptly through your ShareBox. Now what? Everything you've read says that it may take 30-45 days for your bill to be processed, but what does "processed" mean? We receive this question from members often, especially if the wait is taking longer than expected. Delays can be frustrating without further information, and it is our desire that members feel at ease throughout the course of their cost sharing by being as transparent as possible every step of the way.
Understanding Renewal Fees
We often receive questions from our members about the purpose of annual renewal fees. Without understanding the context of this yearly addition, many members contact us feeling confused and frustrated by the extra dollars added to their monthly share amount. There is no need for alarm, and we hope to equip members with the info they need to be savvy consumers both within the Liberty community and the greater context of medical health.
Rethinking Annual Wellness Visits
When we discuss preventative medicine and ways we can take responsibility for our health, annual wellness visits might come to mind as a means to accomplishing both. It seems to be part of the conventional wisdom most of us abide by, at least in theory. We may not make that visit every year, but we know we should. Or should we?
Freedom, Plus Thousands Of Dollars Saved
One of the key values that animates the work of Liberty HealthShare is right there in our name: liberty. We believe our members should be able to access the healthcare that is best for them and their families, without bureaucratic oversight or interference. It's especially rewarding for us when we find out this emphasis on freedom has positively impacted members on a practical level, enabling them to get the care they need in a timely manner. This was just the case for Mary and Dan K., members from Texas whose children have endured serious health issues in recent years. We recently talked with Mary about their experience as Liberty HealthShare members through a difficult and frightening season.
Balance Bill? Here's How To Respond.
At some point in your membership with Liberty HealthShare, you might find yourself dealing with what is known as a balance bill. In short, balance billing is what happens when a bill has already been paid and the physician or provider attempts to get more money directly from their patient. It's important to note that balance bills represent only a fraction of the costs that are submitted to Liberty, however, we want to give you the information and steps you will need to properly respond if you find yourself in this situation.
What Does "Shopping For Healthcare" Mean?
If you have been a Liberty HealthShare member for any length of time, you know that we ask our members to be actively engaged with the cost of their care so that, as a community, we can wisely steward and preserve the financial resources we all share in times of unexpected and unaffordable medical need. Any time we interact with the healthcare industry as patients, from a yearly check-up to an unforeseen surgical intervention, we alone have the power to compare prices and choose how and where we will access healthcare.
Solving Healthcare Policy With Health Sharing
Recent months have held ongoing legislative discussions concerning the possible repeal and replacement of the Affordable Care Act (ACA), also known as Obamacare. Although Liberty HealthShare does not align with or endorse any political party, we make a point of staying on top of any policy developments that might affect our membership at both the federal and state level. Several months ago, Liberty HealthShare Executive Director Dale Bellis and HealthShare Radio host John Daly interviewed former Virginia governor and presidential candidate Jim Gilmore.
Back-To-School Check-Ups & Vaccinations
The school year just ended, but we all know it won't be long before we're shopping back to school sales in anticipation of the start of the new year. You probably don't need to worry about those purchases just yet, but this is a good time to plan ahead for your child's back to school check-up and, if necessary, his or her vaccinations.
Positive Ways Your Pet Affects You
Those of us who are pet owners know that having a dog or cat - or bird, reptile, amphibian, or rodent, depending on your interests - makes life a little bit better. Each breed and individual animal has its quirks, but generally, there is a bond between owner and pet. In the case of dogs and (some) cats, they're waiting when you come home, ready to play, in some cases looking like they're actually smiling because they've been reunited with you after a WHOLE day apart. Have you ever noticed that being around a pet has a calming effect on your mental and emotional state? Certainly, there are some pets that bring rambunctious energy everywhere they go, but there are others that seem to simply enjoy being nearby. The calming effect of pets is no illusion.
Healthcare Consumerism: The Power of Patient Choice
Elaina George, MD Physician Advisory Board Chairman, Liberty HealthShare Since the passage of the Affordable Care Act (Obamacare), the American healthcare system has undergone significant changes that affect everyone, whether they are patients or not. The price of health insurance and out of pocket costs have continued to rise while access has fallen. In fact, the US healthcare system remains the most expensive in the world, and yet it continues to rank last compared to other western countries. Additionally, there has been a decrease in the number of private physicians, community and rural hospitals have closed, and prescription drug costs have continued to rise. As a result, Americans continue to pay more for prescription medication than patients in other countries do.
Dale Bellis Takes The Main Stage
Liberty HealthShare Executive Director Dale Bellis recently took the main stage at CPAC 2017 in Washington, DC, bringing a message about patient rights and freedom to a live audience of several thousand, and to countless online and television viewers.
Epi-Pens & Other High-Cost Pharmaceuticals
By now, you’ve probably heard about the skyrocketing price of Epi-Pens (epinephrine injection). If you need to keep epinephrine nearby to treat a severe allergic reaction, you know why recent developments are financially burdensome and could even be devastating for some. Epi-pens, or at least some form of injectable adrenaline, are not a luxury for those who need them. For this reason, we are thrilled to be bringing you good news about how SavNet can assist our Liberty Complete and Liberty Plus members in obtaining their Epi-Pens at greatly reduced prices or in many cases, for free.
Member Has A Healthcare Eye-Opener
When costs became her number one concern, Karen found Liberty HealthShare. Whatever your reason for joining Liberty HealthShare; whether it’s our community of like-minded people, the freedom that comes with directing and managing your own healthcare, or the financial responsibility you can exercise as a member, we are glad you are here. It is our goal that you experience all these benefits and more through your membership. Just recently, Karen O. from Florida shared her impressions with us:
Confused About Pre-Existing Conditions?
At Liberty HealthShare, we frequently hear members as well as health care professionals referring to Liberty as insurance. It is important for our members to remember that Liberty is a cost-sharing ministry, not an insurance company. Because we are a healthcare sharing ministry, we are free from insurance! We are free to choose our physician, choose our hospital, and choose our pharmacy. We are in charge of our own healthcare. As members of Liberty HealthShare, we must take the role of stewards who strive to minimize cost for all of our members. One of the ways in which we accomplish this is through our handling of pre-existing conditions.
How To Decrease Your Medical Costs
Viewpoints from a Naturopathic Physician by Kendra Pearsall, N.M.D. People tell us their number one reason for joining Liberty HealthShare is the cost savings. Members report they are saving thousands over previous years' total healthcare expenses. Cost savings is one of the many reasons I LOVE being a member, and for that reason and more, I tell everyone I know about this wonderful program. I asked Liberty HealthShare's Executive Director, Dale Bellis, how Liberty is able to keep membership fees low.
Student Project Becomes Answered Prayer
Andy and Tiffany Clark are a young couple from Canton, Ohio. Like many young people, the Clarks had begun to face financial difficulties due to student loan debt. These difficulties prompted tough decisions as the couple faced choosing between paying healthcare costs or neglecting basic necessities of life such as food and rent. Andy and Tiffany’s faith in God’s provision led them to pray that He would intervene and provide a solution that would meet all of these needs rather than accepting the frightening realities of living without help in case of unexpected medical costs. What happened next was an answer to prayer and a chance for the Liberty HealthShare family to grow.
State Warnings About Medical Cost Sharing
When you are looking into healthcare sharing ministries, you may be taken aback by all the state warnings you see. These legal notices usually state that the organization is not an insurance company and that it does not issue insurance policies. They also discuss the fact that you are not guaranteed payment for any medical costs you incur as a member, and that you are ultimately personally liable for any unpaid bills. Upon first glance, these warnings seem ominous, and you may wonder whether you should join the group. Rather than allowing them to make you fearful, allow us to explain why the government has instituted these warnings and what they mean.
Indiana Resident Loves Liberty HealthShare!
After working for 30 years in communication electronics, the military, and freight railroading, Indiana resident Larry Jones was fed up with the high cost of traditional healthcare. Between the copays, coinsurance, deductibles, and limited provider choices, he sought something better and more affordable.
Reducing Medical Costs
In the medical world, it seems like costs are always rising. However, there are a few key situations in which costs have actually dropped for individuals. One of these is in the case of members of medical cost sharing ministries, which are allowable under the Affordable Care Act. Liberty HealthShare members actually saw their monthly share amount drop by $50 from 2013 to 2014.
The Law Of Large Numbers In Medical Cost Sharing
One medical incident can cost thousands of dollars; a sum that doesn't fit into the most household budgets. However, rather than trying to manage these expenses alone, individuals can come together to take advantage of the law of large numbers, a mathematical principle that has significant implications for healthcare. The law of large numbers says that the more times a process is carried out, the closer to the expected average the results become. For example, when flipping a coin, the expected average is to get heads half the time and tails half the time, but in just 10 coin flips, it would not be too extraordinary to end up with 3 heads and 7 tails. However, if a coin was flipped 1,000 times, the result would be much closer to the 50/50 average that was expected. Where healthcare is concerned, the law of large numbers can be applied to the medical costs of people who come together as a group, such as the membership of Liberty HealthShare.
What To Do If You Ever Need Surgery
In the town of Hutchison, Kansas there is a little known, exciting secret. And it's not just in Hutchinson. It may be in your town too. It could be a place you pass every day without realizing what it could be doing for you. What is it? A surgery center. Surgery centers are medical facilities that provide outpatient surgeries and other short-stay procedures. You may or may not be aware that most outpatient procedures can be performed in local surgery centers.
Why Are Medical Costs So High?
During 2012, the average health care spending per person in the United States was $8,895, which is among the highest rates of healthcare spending in the world. In general, the medical care available today is expensive because of all the training, research, administration, and technology involved in making the care possible. This can be further broken down into specific aspects of care and actions of patients and health care professionals that contribute to high overall medical costs in the United States. Here are a few:
Liberty HealthShare: Too Good To Be True?
With the new Affordable Care Act (ACA) now passed into law and in full effect, people are wondering what options they have to pay for their medical costs. One approach that isn’t commonly talked about is healthcare sharing or medical cost sharing. It is acknowledged in the ACA, but many people do not know about it. Of those who have heard of medical cost sharing, many are confused as to what it really is and how it works. Let’s start by saying medical cost sharing it IS NOT insurance, it IS legal, and it has been around for quite some time in faith communities. In fact, it is a biblical approach to paying for unexpected and unaffordable healthcare costs.
Healthy Baby, With 84% Discount On Vaccines*
When Liberty HealthShare members Matthew Bellis and Jessica Bird-Bellis decided it was time for their young son Davyd to get his shots, they consulted with their doctor. He recommended a round of seven vaccines and boosters, a dramatic procedure for which the Bellis' admit they were not ready.