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Best for Singles/Students/Households Without Children

Best for Couples and Families

For Members with Medicare
 

Liberty_Freedom_IconLiberty Freedom

Liberty Freedom is for people 35 or younger and offers the opportunity for necessary support when unexpected medical needs arise, with no Co-Share costs and up to $300,000 in eligible sharing. It's an affordable solution that provides peace of mind without extra financial commitments. Programs start at $89 a month.

Program Cost & Sharing
Health Share Terms
Learn what is shareable
Discover the power of health sharing
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Program Cost & Sharing

Up to $300,000 (per incident or per membership year, whichever occurs first) of fair & reasonable eligible medical expenses are shareable per person after the Annual Unshared Amount (AUA) has been met. Different limits apply for ancillary therapies and cancer care. See the Sharing Guidelines for more program information.
Monthly Share Amount for Members ≤35 Annual Unshared Amount (AUA)

Single

$89

$10,000

Couple

$169

$15,000

Family

$319

$20,000

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. 

Member Pays (AUA not met): If you have not yet met your AUA, you must pay will be responsible for the full cost 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. 

  • Liberty Freedom does not have a Co-Share.

Looking to compare options? Click here to view and compare all Liberty HealthShare programs and features.

Shareable Eligible Medical Expenses

Once you’ve met your Annual Unshared Amount (AUA), the following types of medical expenses are eligible for sharing through Liberty Freedom:

Acute Hospital Charges
Ambulance
Ancillary Therapies
Cancer Care
Cardiac Rehabilitation
Cosmetic Procedures (limited to repair of disfigurement due to accident/injury or illness)
Emergency Room
Interpreter Services
Limb Prosthetics
Organ Transplant
Physical/Professional Services
Subacute Health Care Facility

 

*Medical Expenses of $200 or less should not be submitted and are not eligible for sharing.

 

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Not all medical expenses are shareable

Because our medical cost sharing programs are voluntary and limited to amounts shared by members, not all medical expenses are shareable.

Additionally, because Liberty Freedom is a program designed to offer budget-friendly support for unexpected medical expenses, there are services that are not eligible for sharing that may be shareable in another Liberty HealthShare sharing program.

Under Liberty Freedom, you may not share:
  Chiropractic Care, Acupuncture, Osteopathic Manipulative Treatment
  Direct Primary Care (DPC) Membership Fees
 Home Health Care/Skilled Care Home Services
 Hospice Care
 Maternity Care and Delivery
  Medical Costs Incurred Outside the United States
  Naturopathic/Alternative Treatments of Medical/Complimentary
Alternative Medicine/Integrative Health
   Nutrition Therapy/Education
   Prescription Drugs
   Wellness Visits (Inclusive of Wellness Labs) and Preventative Screenings
   Vaccinations

 

Some exceptions and restrictions apply. For complete details, please refer to our Sharing Guidelines.

 

 

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Discover the power of health sharing.

Reach out to a Liberty HealthShare representative and start walking together with us on your healthcare journey today.
Liberty Rise Liberty Freedom 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
Co-share
Co-Share is the amount of the bill you will contribute after meeting your Annual Unshared Amount (AUA).
 N/A N/A
25% co-share
15% co-share
 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.
Maternity Care
To be eligible for maternity care, you must be a member for 6 continuous months prior to conception.
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.
1 year
not eligible
1 year
1 year
1 year