Option #1: Liberty Share
(70% Cost Sharing up to $125,000)
This is our basic share program for the budget conscious.
We share 70% of eligible medical costs up to $125,000 per incident. Medical costs are shared on a per person, per incident basis, for illnesses or injuries incurring medical expenses when treated by physicians, urgent care facilities, clinics, emergency rooms, or hospitals (inpatient and outpatient).
A medical incident is any medically diagnosed condition receiving medical treatment and incurring medical expenses that exceeds $500.
The initial $500, which we refer to as an Initial Unshared Amount (IUA), is limited in an annual period to one for a single, two for a couple, three for a family.
All transacted share amounts, whether given or received, as well has any messages of support and cheer, is done through your secure online “ShareBox”.
Option #2: Liberty Plus
(100% Cost Sharing up to $125,000)
Liberty Plus builds on the basic share program by adding discounts accessed through Envision Medical Solutions.
Picture it this way: Liberty Share + EMS = Liberty Plus
Medical discounts are HUGE! Undeniably, it is in the best interest of the program for individual Sharing Members to access discounts. It helps stretch dollars and enables us to meet more needs.
The added monthly access fee for EMS is as follows:
Single: $24 each month
Couple or Family: $29 each month
A separate enrollment form for EMS will be provided to you. The EMS access fee is simply passed on to EMS separately for you each month. The EMS discounts qualify you to have eligible medical bills shared at 100%.
Additional EMS discounts include:
- Chiropractic Services
While dental, vision and hearing service costs are not ordinarily eligible for sharing by the members, you access those services at a significant discount.
Note: Enrollment in EMS is solely at the discretion of the Sharing Member and is independent from membership in Liberty HealthShare.
Option #3: Liberty Complete
(100% Cost Sharing up to $1,000,000)
This is our most comprehensive and popular program. Liberty Complete builds on the prior two options and adds Guardians Group, our program for sharing catastrophic expenses up to $1,000,000 per incident.
Liberty Share + EMS + Guardians = Liberty Complete.
Liberty Complete adds participation in GUARDIANS GROUP for an additional share amount each month.
The added Monthly Share Amount for GUARDIANS GROUP is as follows:
- A Single gives $18 each month
- A Couple gives $22 each month
- A Family gives $25 each month
If you choose Liberty Complete, the GUARDIANS GROUP Share Amount is simply included in your total monthly commitment. Then, whenever you have a need that exceeds $125,000 per incident, GUARDIANS GROUP participation qualifies you for sharing your expenses up to $1 Million per incident.