Membership With Dependents

← Back to Blog October 26th, 2017 Tags: sharing-guidelinesnew-membersaccount-updates

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. Here is a quick overview of how we handle this part of membership. We hope this is useful as you consider your family's needs.

Adding dependents to a membership:

  • A newborn can be added to an existing membership as a dependent. Please note sharing members are responsible for notifying Liberty of this change.
  • An adopted child can be added to an existing membership as a dependent, provided all medical criteria are met for acceptance. The sharing member is responsible for notifying Liberty of the change and for providing all medical information.
  • Keep in mind that the addition of a dependent may change the household size and suggested minimum monthly share amount for your membership.

Eligibility requirements and loss of eligibility for dependents:

  • Unmarried dependent children may participate in membership with their parents or legal guardians up through age 19. Upon the start of his or her 20th year of life, the child "ages out" of membership as a dependent.
  • While an unmarried child is a full-time student or participating in a multi-month church mission or internship, he or she may remain part of a family membership with his or her parents or legal guardians through age 26. Upon the start of his or her 27th year of life, the child "ages out" of membership as a dependent.
  • Unmarried disabled dependents may participate with their parents or legal guardians as members. Please note verification of disability may be required.
  • It is the responsibility of the sharing member to notify Liberty of any change in a dependent child's eligibility, per the parameters above.
  • If a dependent child wishes to continue membership after eligibility ends, he or she must apply and qualify for membership on his or her own merit as a new sharing member. If this is done within 30 days and he or she is accepted within 90 days of loss of eligibility, annual membership dues for his or her first year are waived. Any existing medical conditions will be eligible for sharing without interruption of member status.
  • Keep in mind that the subtraction of a dependent may change the household size and suggested minimum monthly share amount for your membership.

We always recommend members familiarize themselves with our Sharing Guidelines document, which contains in-depth information regarding all aspects of membership. For more information on dependents, in particular, reference section III. H. on page 9 of the Sharing Guidelines. Please note that this document is amended from time to time, so you should always reference the current version housed under "Resources" on our website, rather than any printed or downloaded version you may possess.

We are grateful that so many families have chosen to join us here at Liberty HealthShare as we facilitate the sharing of medical costs among our members. We count it a privilege to be included in your lives and those of your children as they grow and, in many cases, embark upon the first truly independent phase of their lives.

If you have any questions about this or any other aspect of membership, please call Member Services at 855-585-4237. Our representatives will be happy to help you.