How It Works
Embrace the power.
Learn about our process.
At Liberty HealthShare, we allow you to take control over your health choices and positively impact the lives of your fellow members through sharing medical costs. While we’re not insurance, we help give you the freedom to make important physical and spiritual decisions.
Our transparent process is simple: your monthly, voluntary share contribution goes toward the eligible medical expenses of your fellow members. You’re able to see exactly where your money goes, enabling you to pray for and encourage those members when they need it most. If you need medical care, you can receive help from other Liberty HealthShare members’ contributions.
This is how it works
You contribute
Contribute your monthly share amount.
Visit provider of choice
Visit any provider or medical facility of your choosing.*
Show member ID card
Present your Liberty HealthShare Member ID card.
Provider sends bill to us
The provider sends your bill to Liberty HealthShare electronically for review and processing.
Members share
Liberty HealthShare facilitates member sharing for your eligible medical bill by sending a member-sharing check to you or your provider.
As a community of like-minded, health-conscious individuals and families rooted in a deep faith, our members care for and help each other, bearing one another’s burdens and supporting each other in times of need. This is how we walk together where faith and healthcare unite.
* However, selecting a provider who participates in the Private Healthcare Systems (PHCS) network may reduce your likelihood of receiving a balance bill – charges beyond what is considered fair and reasonable – which are not eligible for sharing.
Have faith, no matter your situation.
Explore different health scenarios.
Whether you’re going in for your annual check-up, visiting a specialist or requiring urgent care, Liberty HealthShare works hard to make your experience seamless. Explore how healthsharing works for a variety of scenarios below.
Liberty HealthShare members want to take an active role in the responsibility for their health and are willing to share into wellness features (after a 2-month waiting period, in accordance with the Sharing Guidelines).
Depending on program enrollment, members have access to one annual wellness visit with related lab work and screening per year, up to $400 dollars of the Fair and Reasonable charges as defined in the Sharing Guidelines, not subject to AUA requirement. Babies are eligible through 13 months for well-baby visits, including immunizations, with no waiting period and not subject to AUA requirement.
Liberty HealthShare members have also agreed to share certain eligible preventative screenings subject to periodic and age limits, including pap smears, mammograms (age 40+), PSA testing and Cologuard® screening, and flu vaccinations up to $400, and that a member may have these shared into before meeting their Annual Unshared Amount requirement. See full Sharing Guidelines for complete wellness details.
It’s normal for people to want to be seen by a provider when they’re sick. Liberty HealthShare makes managing these costs simple with a community-oriented approach. Here’s an example of how the cost of an office visit is shared among our three core programs: Liberty Essential, Liberty Connect, and Liberty Unite.* In this scenario, we’re using an average cost of $200 for an office visit for a single member, though actual costs may vary depending on your location and provider.
Program | Annual Unshared Amount (AUA) |
Member Pays (AUA Not Met) |
Member Pays (AUA Met) |
Liberty HealthShare Members Share (AUA Met) |
---|---|---|---|---|
Liberty Essential | $4,000 | $200 | $50 (25% of $200) | $150 (75% of $200) |
Liberty Connect | $1,000 | $200 | $30 (15% of $200) | $170 (85% of $200) |
Liberty Unite | $1,000 | $200 | $0 | $200 |
When facing a health issue, diagnostic tests like MRI scans are often necessary to get a clear picture of your condition. Liberty HealthShare makes it easier to manage these potentially high costs through our community-based sharing approach. Below, we show how the cost of an MRI scan is shared across our three core programs—Liberty Essential, Liberty Connect, and Liberty Unite.* For this example, we’re assuming two people are on the program, using an average cost of $2,000 for an MRI scan, though actual costs may vary based on location, provider, and the specifics of the procedure.
Program | Annual Unshared Amount (AUA) |
Procedure Cost | Member Pays (AUA Not Met) |
Member Pays (AUA Met) |
Liberty HealthShare Members Share (AUA Met) |
---|---|---|---|---|---|
Liberty Essential | $8,000 | $2,000 | $2,000 | $500 (25% of $2,000) | $1,500 (75% of $2,000) |
Liberty Connect | $2,000 | $2,000 | $2,000 | $300 (15% of $2,000) | $1,700 (85% of $2,000) |
Liberty Unite | $1,750 | $2,000 | $1,750 | $0 | $2,000 |
Emergency room visits can be stressful, both physically and financially. At Liberty HealthShare, we strive to reduce the financial burden of unexpected medical emergencies through our community-driven cost-sharing approach. Here’s how the cost of an emergency room visit is shared across our three core programs—Liberty Essential, Liberty Connect, and Liberty Unite.* For this scenario, we’re assuming a family is enrolled in the program, using an average cost of $4,000 for an emergency room visit, though actual costs may vary depending on the severity of the condition, location, and the treatments received. We are also assuming that the member is admitted to the hospital within 23 hours of emergency room treatment.
Program | Annual Unshared Amount (AUA) |
Procedure Cost | Member Pays (AUA Not Met) |
Member Pays (AUA Met) |
Liberty HealthShare Members Share (AUA Met) |
---|---|---|---|---|---|
Liberty Essential | $12,000 | $4,000 | $4,000 | $1,000 | $3,000 (75% of $4,000) |
Liberty Connect | $3,000 | $4,000 | $3,150 ($3,000 to meet AUA + 15% of remaining $1,000) | $600 (15% of $4,000) | $3,400 (85% of $4,000) |
Liberty Unite | $2,250 | $4,000 | $2,250 (to meet AUA) | $0 | $4,000 |
*Liberty Freedom, Liberty Rise, and Liberty Assist may have different guidelines for sharing in these scenarios. Please visit our Sharing Guidelines for more details. Click here to compare the features of all our programs.
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Health Share Terms
Annual Unshared Amount (AUA): The amount of an eligible need that does not qualify for sharing.
Co-Share: The portion of eligible medical bills a sharing member with a Co-Share option must pay after his or her AUA has been met.
Liberty HealthShare Members Share (AUA Met): After you have met your AUA, Liberty HealthShare members share into the remaining eligible expenses, based on your program’s Co-Share arrangement.
Member Pays (AUA Not Met): If you have not yet met your AUA, you must pay any bills up to your AUA amount before your bills are eligible for sharing.
Member Pays (AUA Met): Once your AUA has been met, Liberty HealthShare facilitates the sharing of eligible medical expenses. Depending on your program, you may have a Co-Share.
- For Liberty Essential, you have a 25% Co-Share.
- For Liberty Connect, you have a 15% Co-Share.
- For Liberty Unite, you have no Co-Share.
- For Liberty Assist, you have no Co-Share.
- For Liberty Rise, you have no Co-Share.
- For Liberty Freedom, you have no Co-Share.
Discover the power of health sharing.
Reach out to a Liberty HealthShare representative and start walking together with us on your healthcare journey today.