Liberty HealthShare Official Blog
Important Member Info: Understanding Pre-Notification
Liberty HealthShare is not an insurance company. We are a ministry that facilitates the sharing of medical costs among the people who participate in this voluntary community. The funds come from our members, not corporate coffers. For this reason, we often remind our members to join us in doing everything they can to reduce the often outrageous costs associated with healthcare.
Interview With Bob Cutillo, M.D.
As part of a new occasional book review series here on the blog, we recently published a review of Dr. Bob Cutillo's book, Pursuing Health in an Anxious Age. Dr. Cutillo was kind enough to speak with us about how his experiences as a Christian and a medical provider led him to write this book.
Hope Does Not Disappoint
...we also glory in tribulations, knowing that tribulation produces perseverance; and perseverance, character; and character, hope. Now hope does not disappoint, because the love of God has been poured out in our hearts by the Holy Spirit who was given to us. Romans 5:3-5 (NKJV) The new year brings an opportunity to reframe, set goals and resolutions, and write on a clean slate of sorts...in theory. The reality is, despite the symbolism of a new year, challenges are no respecter of calendars.
Book Review: Pursuing Health In An Anxious Age
As part of a new occasional book review series here on the blog, today we are reviewing Pursuing Health in an Anxious Age (Crossway), by Bob Cutillo, M.D. We live in an age of unprecedented medical advancement, with broad access to interventions ranging from the preventative to the elective. We have much to be thankful for as prognoses improve and lifespans continue to increase. Certain preventions can bring peace of mind to those who otherwise face a genetic predisposition to disease. Pain can be managed and even, in some cases, eliminated. However, a Biblical perspective on the topics of health, pain, disease, and death is in some ways set against that of our culture.
Liberty HealthShare: The Reviews Are In
These days, between computers and smartphones, most people spend at least a few hours online each day. Many also make purchasing decisions based on the multiple online sources of reviews, from business ratings on Yelp to subscription services like Angie’s List, and all the other review platforms that are available to us, including those on Google.
Former Things Shall Not Be Remembered
"For behold, I create new heavens and a new earth, and the former things shall not be remembered or come into mind..." Isaiah 65:17 (ESV) This past week, we celebrated the birth of Emmanuel, God with us. We observed traditions and spent time remembering Christmases past. Now, as the New Year approaches, we look forward to the year ahead. It isn't always easy to view the days, weeks, and months ahead with eyes of anticipation and hope, especially if the days that came before were heavy and hard.
A Focus On Compassion And Care
In an ongoing effort to give our members a little bit of an inside look at the people who make up Liberty HealthShare, today we continue our occasional series of "human interest" stories. We hope this helps you feel a bit more connected to us and the heartbeat of the work we do each day. Each member of our staff is grateful for the opportunity to serve you in their individual capacities. Tim DeWees is Liberty's Chief Technology Officer in the Information Technology department. We recently asked him to tell us about his work, motivation, and interests, and he graciously took the time to answer.
The Nativity Is Only One Chapter
And she gave birth to her firstborn son and wrapped him in swaddling cloths and laid him in a manger, because there was no place for them in the inn... Simeon blessed them and said to Mary his mother, “Behold, this child is appointed for the fall and rising of many in Israel, and for a sign that is opposed (and a sword will pierce through your own soul also), so that thoughts from many hearts may be revealed.” Luke 2:7, 34-35 (ESV) Nothing about Jesus' birth was ordinary, nor did His arrival occur in the way many expected it to.
An Opportunity To Help People
Some Liberty HealthShare members interact with our staff on a regular basis, but some members have never submitted a bill or had any specific need that necessitates a phone conversation. If you're in the latter group, you may understandably feel a bit disconnected from us. You might even wonder whether we function like other larger organizations, where you are routed through automated attendants and multiple menus before you can even reach another human being.
Let All People Receive Their King
And in the same region there were shepherds out in the field, keeping watch over their flock by night. And an angel of the Lord appeared to them, and the glory of the Lord shone around them, and they were filled with great fear. And the angel said to them, “Fear not, for behold, I bring you good news of great joy that will be for all the people. For unto you is born this day in the city of David a Savior, who is Christ the Lord...." Luke 2:8-11 (ESV) When the angel appeared to the shepherds that night 2,000 years ago, those men were, understandably, alarmed. At best, it must have been startling for angelic light to split the darkness of the sky, and at worst, any number of preconceived notions about the supernatural could have fueled their fears.
Helping Your Fellow Members
A string of hurricanes and wildfires devastated large areas across the nation this summer. Wildfires in California continue to leave destruction in their wake. Thousands of Liberty HealthShare member families live within the declared disaster areas, with many facing a daunting recovery process as they consider how best to move forward. As members of a Christian community, we are compelled to step up.
Stewarding End-Of-Year Costs
This time of year, we tend to see a significant increase in the number of member bills submitted for sharing. Though we cannot be sure of the reason for this, it is possible this is due at least in part to the third-party payer model and deadlines by which many of our members have previously functioned. Whatever the reason, we want to remind our members of a few important factors to consider before they submit more bills at this time of year.
Blessed Are They Who Believe
Elizabeth was filled with the Holy Spirit, and she exclaimed with a loud cry, “Blessed are you among women, and blessed is the fruit of your womb! And why is this granted to me that the mother of my Lord should come to me? For behold, when the sound of your greeting came to my ears, the baby in my womb leaped for joy. And blessed is she who believed that there would be a fulfillment of what was spoken to her from the Lord." Luke 1:41-45 (ESV) When the angel visited Mary to announce she would be the mother of the Messiah, he also shared the news that her cousin Elizabeth - thought to be barren - was six months pregnant, punctuating it with the pronouncement, "For nothing will be impossible with God."
Exercise Your Freedom Today
When we’re just kids, running and playing with our friends is second nature. When we're free to choose how and when we will play, we have almost limitless energy, but as we get older, something shifts. Usually, no thanks to gym class, we no longer run because it’s fun, but rather because the teacher standing on the track is using his stopwatch to rate our performance.
Light To Pierce The Darkness
The people who walked in darkness have seen a great light; those who dwelt in a land of deep darkness, on them has light shone. Isaiah 9:2 (ESV) From the very moment Adam and Eve rebelled in the garden, God began writing a story of restoration for His people. Throughout the Old Testament, the Israelites succumbed more than once to doubt and sin as they waited for the promised Redeemer. One can only imagine what it was like during the 400 years of silence between the Old Testament and the start of Jesus' ministry. God's people must have fought disillusionment even as they clung tightly to the words of the prophets.
God Meant It For Good
"As for you, you meant evil against me, but God meant it for good, to bring it about that many people should be kept alive, as they are today." Genesis 50:20 (ESV) Here in the United States, we are told from a young age about the Pilgrims who voyaged to America in 1620 and survived largely because of a Native American man named Squanto. It's told as a quaint history of the first Thanksgiving, but the seemingly tidy story doesn't begin to explore the complex circumstances and the lives of the people who were there. Squanto's story alone is one of bravery and mercy in the face of tragedy and injustice.
Our Thanksgiving Wishes For You
The great American holiday, otherwise known as Thanksgiving, is this Thursday. Whether you celebrate with turkey and all the fixings or you’re more of a ham family, whether you spend your day serving at a local charity or watching the parade and football, we hope you enjoy a day full of reminiscing over old memories and the creation of new ones. As you look around the table, don’t forget to take this opportunity to recall the many things you have to be thankful for.
Thanksgiving Every Day
"The one who offers thanksgiving as his sacrifice glorifies me; to one who orders his way rightly I will show the salvation of God!" Psalm 50:23 (ESV) The holidays give us a chance to slow down, count our blessings, and choose gratitude, but what about the rest of the year? We all know that when times are hard, when money is tight, or when illness invades, cultivating a heart of thanksgiving is easier said than done.
Finding His Purpose For Our Lives
"The Lord will fulfill his purpose for me; your steadfast love, O Lord, endures forever. Do not forsake the work of your hands.” Psalm 138:8 (ESV) It's a given that each of us will find ourselves, at one time or another, in search of a sense of purpose. Self-help authors make a fortune on this one topic and no matter how many volumes are published, there will always be a demand for more. There is nothing inherently wrong with our desire for meaning, but as Christians, we must always look for it in light of our Creator.
Joy, Peace, And Hope
"May the God of hope fill you with all joy and peace in believing, so that by the power of the Holy Spirit you may abound in hope." Romans 15:13 (ESV) Christians are often admonished that we ought to live joyful, peaceful, and hopeful lives regardless of our circumstances. We know these qualities should characterize our lives, but if we are honest, each of us has experienced seasons in which joy seems impossible; when what we see says there is no reason to hope or to have peace.
Liberty Finds An Audience At ETCH
From time to time, Liberty sends representatives to conferences and events where we feel it will be worthwhile to share our mission with attendees. To that end, our team attended LifeWay's ETCH Family Ministry Conference in Nashville this past month.
This November, Be A Quitter
The enrollment process with Liberty HealthShare includes a review of applicant health for two main reasons: first, because we are a community united by our shared belief in God, we agree together to honor him by stewarding our bodies as the gifts they are. Second, as we share medical costs as a community, that stewardship of our bodies results in the reduction of avoidable medical expenses. One of the lifestyle expectations we have for our members is that they will not engage in any kind of tobacco use.
Membership With Dependents
Liberty HealthShare memberships take all shapes and sizes. Some members are enrolled as a single, some as a couple, and some as family units. What constitutes these various types of enrollments is fairly easy to understand, however, it gets a little more complicated with dependent children, especially as they approach legal adulthood.
Medicare And Liberty Membership
If you meet or will soon meet the requirements for Medicare, you might be curious as to how Medicare enrollment will impact your membership with Liberty HealthShare. Since Liberty HealthShare is not insurance, you might wonder how, or even if, we share medical costs with members who are also enrolled in Medicare.
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.
During Flu Season, VideoMedicine Can Help
You can just picture it, can't you? You're up to your elbows in tape and tissue paper, transforming your son into a spaceman for the school costume party, and you don't feel quite...right. Your back aches, you feel like your brain is slowing down, and...is it chilly in here? Two hours later, you have a temperature of 102º F and climbing, everything hurts, and you can't stop coughing. This is no ordinary cold. Most likely, you have influenza (the flu).