Liberty Assist

At 65, you get to join Medicare. Medicare covers 80% of your costs, but you are left responsible for the remaining 20%.

Our Liberty Assist program is a Medicare companion program for those enrolled in Medicare parts A and B built for savvy seniors to have the opportunity for sharing that remaining 20%.

Choose your next step in learning how Liberty Assist can work for you!

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Program Cost & Sharing

Program Perks & FAQs

Program Cost & Sharing

Our monthly contributions vary by age with a $500 Annual Unshared Amount (AUA) you are responsible for before sharing can take place. See the Sharing Guidelines for complete details.

Married individuals desire to enroll each participate as separate sharing members.

Age Range	Monthly Contribution	Maximum Sharing Limit
65-69	$87/month	$100,000 / membership year
70-74	$92/month	$100,000 / membership year
75-79	$123/month	$100,000 / membership year
80-84	$159/month	$100,000 / membership year
85-90	$187/month	$100,000 / membership year
91+	$281/month	$100,000 / membership year

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 Assist does not have a co-share.
Looking to compare options? Click here to view and compare all Liberty HealthShare programs and features.

Careington Dental

Eligible members can take advantage of savings of 20% to 50% on most dental procedures including routine oral exams, cleanings, and major work such as dentures, root canals, and crowns through one of the largest dental networks in the nation with a focus on neighborhood dentists.

DialCare Urgent Care

A modern, easy-to-use telemedicine solution for non-emergency illnesses and general care. Members have direct access to state-licensed doctors, via phone or video consultations to receive treatment and advice for common ailments, including colds, the flu, rashes, and more.

GetMoreRx

Prescription Drugs

Offers savings of 50% - 95% on generic drugs and 10% - 45% on most brand name drugs at more than 56,000 participating stores including CVS, Target, Walgreens, Walmart, Kroger, Albertsons, Fry's, Harris Teeter, Duane Reade, and Longs Drugs.

EyeMed Vision

Offers savings of 20% - 40% off the retail price of eyewear. Members are eligible for discounts on exams, eyeglasses, and conventional contact lenses from more than 90,000 providers nationwide.

DialCare Therapy

A mental wellness program designed to provide a safe, secure, and private means of seeking mental health assistance from licensed mental health professionals via virtual or telephonic counseling sessions.

QualSight LASIK

Eligible members can receive savings of 20% to 30% off the overall national average cost of LASIK surgery at more than 800 locations. The QualSight program is not an insured program.

FAQs

How does Liberty Assist work with Medicare?

Medicare only covers 80% of approved costs, leaving recipients responsible for the remaining 20%. This is where Liberty Assist can help. The program is designed to help fill the gaps for people 65 and older enrolled in Medicare Part A & B. Members can receive up to $100,000 in sharing per year from others for medical expenses annually, once their Annual Unshared Amount (AUA) is met. Liberty Assist allows those on Medicare to control their health- related costs and enjoy their golden years with peace of mind.
When can I enroll?

Liberty HealthShare members turning 65 can easily transition to Liberty Assist. If you're a past Liberty HealthShare member on a Medicare Advantage plan, you can join anytime before age 71.

Retirees on Medicare losing employer insurance can enroll within 30 days of termination. Have another healthshare or insurance? Enroll with us three months prior, three months after, or during the month you turn 65. As your healthcare community for life, we have a program that will meet your needs.
What is eligible?

At Liberty HealthShare, our members actively share millions of dollars of eligible medical expenses each month. Curious about what expenses qualify for Liberty Assist members? It's simple: as long as they're reimbursable expenses through Medicare and aligned with our agreed upon expenses that are eligible for sharing (see our Sharing Guidelines), they qualify for sharing through Liberty HealthShare. And the best part? No need for prenotification! We're here to support you when you need it most. Remember, Liberty Assist won't affect your access to Medicare. It's a valuable supplemental program that works alongside Medicare Parts A and B.
How affordable is Liberty Assist?

We want to make it easy for current and new members to join our Liberty Assist sharing program, so we have made our contributions affordable for seniors on a fixed budget. For those aged 65, it's just $87 a month to be a part of our caring community. These contributions are even less than the national average for most Medicare supplement programs. We have oversight, accountability, and accounting controls in place to make sure your contributions go toward helping other people in need. We're not insurance, so you won't face deductibles, and you have the freedom to see your own provider and make your own healthcare choices.

	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

Best for Young Adults/Students/Households Without Children

Best for Singles, Couples, and Families

For Members with Medicare

Liberty Assist

Program Cost & Sharing

Health Share Terms

Program Perks

Careington Dental

DialCare Urgent Care

GetMoreRx

Prescription Drugs

EyeMed Vision

DialCare Therapy

QualSight LASIK

FAQs

How does Liberty Assist work with Medicare?

When can I enroll?

What is eligible?

How affordable is Liberty Assist?

Discover the power of health sharing.