You're a member who has successfully shared a bill! You worked closely with your doctor to evaluate the course of your care, you pre-notified Liberty HealthShare of the procedure, and your bill was submitted promptly through your ShareBox. Now what? Everything you've read says that it may take 30-45 days for your bill to be processed, but what does "processed" mean? We receive this question from members often, especially if the wait is taking longer than expected. Delays can be frustrating without further information, and it is our desire that members feel at ease throughout the course of their cost sharing by being as transparent as possible every step of the way.
Liberty HealthShare is not an insurance company. We are a ministry that facilitates the sharing of medical costs among the people who participate in this voluntary community. The funds come from our members, not corporate coffers. For this reason, we often remind our members to join us in doing everything they can to reduce the often outrageous costs associated with healthcare.
This time of year, we tend to see a significant increase in the number of member bills submitted for sharing. Though we cannot be sure of the reason for this, it is possible this is due at least in part to the third-party payer model and deadlines by which many of our members have previously functioned. Whatever the reason, we want to remind our members of a few important factors to consider before they submit more bills at this time of year.
If you meet or will soon meet the requirements for Medicare, you might be curious as to how Medicare enrollment will impact your membership with Liberty HealthShare. Since Liberty HealthShare is not insurance, you might wonder how, or even if, we share medical costs with members who are also enrolled in Medicare.
At some point in your membership with Liberty HealthShare, you might find yourself dealing with what is known as a balance bill. In short, balance billing is what happens when a bill has already been paid and the physician or provider attempts to get more money directly from their patient. It's important to note that balance bills represent only a fraction of the costs that are submitted to Liberty, however, we want to give you the information and steps you will need to properly respond if you find yourself in this situation.
From time to time, our members find themselves wearing the educator's hat when interacting with physicians and other staff at their providers' offices. Despite its long history, healthcare sharing is still a new concept to many, even those within the healthcare profession. Michigan member Yvonne M. enrolled with Liberty HealthShare along with her husband in late 2015. Last year, she and her husband found themselves facing outright antagonism about their Liberty membership not once but four separate times over the course of one medical incident.
At Liberty HealthShare, we view misunderstandings as opportunities for education. For instance, some potential members don't understand the healthcare sharing mentality. Rather than seeing this purely as an obstacle to membership, we choose to see it as an opportunity for education about our unique, member-centered approach to paying for healthcare. When we hear from members who truly understand healthcare sharing and want to see others learn more, we get excited. We can explain it all day long from our perspective, but the reality is members who share their experiences are exponentially more effective at educating others. A great example of this is Brittany K. from Michigan, who along with her family joined Liberty HealthShare early last year.
From time to time, we hear from a member who experienced an emergency medical cost just days or weeks after joining Liberty HealthShare. Dealing with a large expense like an emergency room visit can be nerve-wracking, especially if you are new to the concept of healthcare sharing. CindyAnn S., a Liberty HealthShare member in Florida, found herself in this position when her son broke his arm just 9 days into their membership. Here is her story:
Our members come from a variety of backgrounds, but we've found that the majority decide to join Liberty HealthShare for the same reason: at some point, they realized insurance was not an ideal way to face healthcare costs. With their financial commitment rising and the payoff diminishing, they make a bold move and leave insurance behind in favor of a Christian community characterized by personal responsibility and the stewardship of health and resources. Charles R. is one such member in Texas, and this is his story.
If you have been a Liberty HealthShare member for a while, you might already know how to submit a bill or receipt through your online ShareBox. You also may or may not have encountered an issue with what's known as "balance billing." For those of you who are new to Liberty, or if you simply are not familiar with these two topics, here’s a quick refresher:
By now, you’ve probably heard about the skyrocketing price of Epi-Pens (epinephrine injection). If you need to keep epinephrine nearby to treat a severe allergic reaction, you know why recent developments are financially burdensome and could even be devastating for some. Epi-pens, or at least some form of injectable adrenaline, are not a luxury for those who need them. For this reason, we are thrilled to be bringing you good news about how SavNet can assist our Liberty Complete and Liberty Plus members in obtaining their Epi-Pens at greatly reduced prices or in many cases, for free.
At Liberty HealthShare, our mission of facilitating the sharing of members’ medical expenses is serious business. When we are serving a member who has experienced an illness or accident requiring ongoing medical care, we want to be a safe place in the storm. For this reason, our team members encourage one another to remember that a member in distress is a person in need; a person our ministry exists to serve. It makes us proud to get feedback that lets us know our team is serving members well.
by John Hunt, MD Chief Medical Officer, Liberty HealthShare You have probably noticed that prescription medications are extremely affordable in some cases and terribly expensive in others. There are several reasons for this phenomenon. Some drug prices benefit from free markets and generally free international trade, with prices dropping to nearly zero (think Walmart and all the pharmacies that followed them with their $4 low prices). These days, some antibiotics are even free. Don’t believe me? Just Google it. But for every cheap or free prescription, there are just as many or more astronomically expensive drugs out there.
Prescription Drug Program available in all 50 states Health Savings Discount Program not available in AK, UT, VT, WA. Managing prescriptions can be confusing and costly, and we know this is a concern for our members. In an effort to make the process more price-transparent and easy to understand, we are proud to welcome SavNet Health Savings program to the Liberty HealthShare family. SavNet will save members 15% to 50% off prescription medication, as well as offering discounted dental, chiropractic and alternative medicine, vision, and hearing services.
As a Liberty HealthShare member, what are the steps you should take when seeing your health provider? What do I do when I go to the Doctor? This question is commonly asked by Liberty HealthShare members. For some, it’s your first time seeing a provider since joining. Others have been members for years but haven’t had a medical need in a long time. We want to be sure you understand what to do when visiting the doctor, from giving the receptionist your member ID card to how the medical bill submission process works, so you can feel at ease when going to your provider of choice.
What Liberty HealthShare members should do if they find themselves in this predicament. The Liberty HealthShare payment schedule to medical providers has been shown to be a simple and fair system. However, even after accepting payment for service, some medical providers engage in what is called balance billing.