| Liberty Freedom | Liberty Rise | Liberty Essential | Liberty Connect | Liberty Unite | |
|---|---|---|---|---|---|
| Program Features | |||||
| Eligible for Liberty Dental Program Enrollment with additional share required Single: $35 Couple: $69 Family: starting at $129 |
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| Co-share Co-Share is the amount of the bill you will contribute after meeting your Annual Unshared Amount (AUA). |
N/A | N/A | N/A | ||
| Preventative Care | |||||
| Additional Careington Discounts | |||||
| Choose Your Own Doctor Members have access to an optional PHCS Network of over 900,000 providers who have agreed to Fair & Reasonable pricing. You may always choose a provider who does not participate in the PHCSnetwork, but your likelihood of a balance bill will increase. Balance bills are not eligible for sharing. |
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| Maternity Care To be eligible for maternity care, you must be a member for 6 continuous months prior to conception. |
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| Emergency Care | |||||
| Alternative Therapies | |||||
| Surgeries | |||||
| Hospital Stays | |||||
| Specialist Visits | |||||
| Cancer Care | |||||
| Pre-existing conditions waiting period For Liberty Rise, Liberty Essential, Liberty Connect, and Liberty Unite: From 13 months to 35 months of continuous membership, up to $50,000 total may be shared. Upon the 37th month, condition is no longer subject to Pre-Existing Limitations. |
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Liberty
Freedom
Monthly Share Amount
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $89 | $169 | $319* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $10,000 | $15,000 | $20,000 |
Sharing Limit
Up to $300,000
(per incident or per membership year, whichever occurs first) of fair & reasonable medical expenses are shareable per person after AUA has been met. Different limits apply for ancillary therapies and cancer care.
Liberty
Rise
Monthly Share Amount
for members 18-29 years old
| Single |
|---|
| $122 |
Married individuals desiring to enroll each need to have their own Liberty Rise membership.
Annual Unshared Amount (AUA)
for members 18-29 years old
| Single |
|---|
| N/A |
Sharing Limit
Up to $50,000
Medical expenses eligible for sharing are limited to $50,000 per year for limited services.
Liberty
Essential
Monthly Share Amount
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $163 | $266 | $513* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $4,000 | $8,000 | $12,000 |
Sharing Limit
Up to $600,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 25% co-share.
Liberty
Connect
Monthly Share Amount
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $215 | $349 | $658* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $2,000 | $3,000 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 15% co-share.
Liberty
Unite
Monthly Share Amount
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $266 | $472 | $874* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members under 35 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $1,750 | $2,250 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met.
Liberty
Essential
Monthly Share Amount
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $184 | $318 | $606* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $4,000 | $8,000 | $12,000 |
Sharing Limit
Up to $600,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 25% co-share.
Liberty
Connect
Monthly Share Amount
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $246 | $400 | $771* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $2,000 | $3,000 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 15% co-share.
Liberty
Unite
Monthly Share Amount
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $318 | $524 | $1,028* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 35-49 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $1,750 | $2,250 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met.
Liberty
Essential
Monthly Share Amount
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $225 | $390 | $750* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $4,000 | $8,000 | $12,000 |
Sharing Limit
Up to $600,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 25% co-share.
Liberty
Connect
Monthly Share Amount
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $287 | $503 | $967* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $2,000 | $3,000 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 15% co-share.
Liberty
Unite
Monthly Share Amount
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $369 | $668 | $1,276* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 50-64 years old
| Single | Couple | Family |
|---|---|---|
| $1,000 | $1,750 | $2,250 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met.
Liberty
Assist
Monthly Share Amount
for members 65 and older
| Single |
|---|
| starting at $87 |
Liberty Assist is only available to those already enrolled in Medicare Parts A and B.
Annual Unshared Amount (AUA)
for members 65 and older
| Single |
|---|
| $1,500 |
Sharing Limit
N/A
Married individuals desiring to enroll each need to have their own Liberty Assist membership.
Liberty
Essential
Monthly Share Amount
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $225 | $390 | $750* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $4,000 | $8,000 | $12,000 |
Sharing Limit
Up to $600,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 25% co-share.
Liberty
Connect
Monthly Share Amount
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $287 | $503 | $967* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $1,000 | $2,000 | $3,000 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met. Members pay a 15% co-share.
Liberty
Unite
Monthly Share Amount
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $369 | $668 | $1,276* |
*$65 additional monthly share amount for each family member over 4 people.
Annual Unshared Amount (AUA)
for members 65 and older
| Single | Couple | Family |
|---|---|---|
| $1,000 | $1,750 | $2,250 |
Sharing Limit
Up to $1,000,000
(per incident) of fair & reasonable eligible medical expenses are shareable after AUA has been met.
