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What Is Shared in Medical Cost Sharing Programs?

At Liberty HealthShare, we strive to make it easier for you to be a wise consumer and manager of your medical care.

As part of our simple, transparent process, your monthly voluntary share contribution automatically transfers to the online account of another member with eligible medical expenses.

You see where your money goes, so you can pray for and encourage the members you help. But what happens when you or your family has a medical need? What is shared as part of your Liberty HealthShare membership?

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Shareable Eligible Medical Expenses

Once you’ve met your Annual Unshared Amount, the following types of medical expenses are shareable through Liberty HealthShare:

  • Annual wellness and screening appointments
  • Ancillary therapies
  • Physician and clinic visits
  • Home health care
  • TeleHealth visits
  • Medical testing
  • Ambulance transport
  • Urgent care
  • Emergency care
  • Vaccinations
  • Surgery and hospital care (inpatient or outpatient)
  • Prenatal and maternity care (Program dependent)

Not All Medical Expenses Are Shareable

Because our medical cost-sharing programs are voluntary and limited to amounts shared by members, not all medical expenses are shareable.

Generally speaking, we do not share expenses associated with unhealthy choices or voluntary/cosmetic procedures. As a community of health-conscious people living by Christian values, most of our members avoid these charges naturally, with a few exceptions.*

Under your Liberty HealthShare program, you may not share:

  • Pre-existing conditions during the first year of membership*
  • Tier 1–3 prescriptions
  • Dental/vision expenses
  • Expenses other than accidents, acute illness, or injury within the first two months of membership
  • Medical expenses of $200 or less in billed charges, unless otherwise noted in the Sharing Guidelines

*Some exceptions and restrictions apply. For complete details, please refer to our Sharing Guidelines (PDF).

Have specific questions about what is—or is not—shareable through Liberty HealthShare? Our team can walk you through your options.