What You Need to Know About Pre-existing Conditions and Your Healthsharing Membership

As a community of health-conscious people living by Christian values, the Liberty HealthShare community believes that taking good care of your health is an important part of wisely stewarding your resources.  Because of this, our community generally does not share expenses associated with unhealthy lifestyle choices or voluntary, cosmetic procedures and as a faith-driven community most of our members avoid such things naturally. But what if you have a pre-existing condition?    

If you or one of your family members has a pre-existing condition, it is important to understand what this means as a Liberty HealthShare member and how it effects your shareable medical expenses. 

 First, let’s define what is considered as a pre-existing condition at Liberty HealthShare.

According to our Sharing Guidelines, chronic or recurrent conditions are health concerns that have shown evidenced signs or symptoms and/or have received treatment and/or medication within the past 36 months.

How your pre-existing condition affects the expenses you submit for sharing within our community.

During the first year of your membership, the expenses associated with your preexisting condition are not shareable.

After the first full year of continuous membership with Liberty HealthShare, up to $50,000 of the total eligible medical expenses incurred from a pre-existing condition may be shared during the second and third years of membership.

Now, upon your 37th month of continuous membership and thereafter, this changes. Your pre-existing condition may no longer be subject to the pre-existing condition sharing limitations. This means you can submit your eligible medical expenses for sharing, including those related to your once considered pre-existing condition.

 Saving on maintenance medications and healthcare expenses.  

Although you are subject to pre-existing condition sharing limitations within the first three years of your membership, you can still utilize our cost savings programs to help budget your medical expenses and receive the most cost effective, quality care.

Many pre-existing or chronic conditions may require maintenance medication to stabilize and support the health condition. Medications can be costly, which is why we offer all Liberty members the chance to save on prescriptions with our Elixir Prescription Drugs program. 

Because we are a healthsharing ministry, we are free to choose our physician, medical facilities, pharmacy and more! We are in charge of our own healthcare and this freedom comes with the responsibility to wisely steward our resources. Even if you have a preexisting condition, you can reduce the cost of your medical expenses by using our cost savings tools. As a Liberty HealthShare member, you have access to our cost comparison tool, HST Connect so you can compare your local providers and facilities to receive quality care for a budget friendly price—or schedule a cost effective, virtual doctors visit with DialCare Physician Access.

As healthsharing members, we have a duty to care for ourselves and others. You can contribute to your community by educating yourself on your own health and how Liberty HealthShare guidelines apply to your needs. Ask questions, do research and price comparisons, and access the tools Liberty HealthShare makes available to you. We are here to answer your questions to help you best navigate your healthsharing journey and assist you in making wise healthcare decisions.