What Is Shared in Medical Cost-Sharing Programs?

Understanding Medical Cost-Sharing Programs

Know What Is Shared Through Liberty HealthShare

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 share amount automatically transfers to the online account of another member with eligible medical bills.

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?

Once you’ve met your annual unshared amount ($1,000 for a single member, $1,750 for a couple, $2,250 for a family), the following types of medical expenses are shareable through Liberty HealthShare*:

  • Conventional or naturopathic physician visits
  • Wellness and screening appointments
  • Clinic visits
  • Urgent care/emergency room visits
  • Hospital care (inpatient or outpatient)
  • Physical therapy
  • Speech therapy
  • Occupational therapy
  • Respiratory therapy
  • Home health care
  • Chiropractic care
  • Tier 4 prescriptions**
  • Medical testing
  • X-rays
  • Ambulance transport
  • Vaccinations
  • International medical care
  • Prenatal and maternity care

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:

  • Tier 1–3 prescriptions**
  • Pre-existing conditions during the first year of membership*
  • Dental/vision expenses***
  • Expenses other than accidents, acute illness, or injury within the first 60 days of membership

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 »


*Restrictions as to the number of visits, length of prescriptions, and other details apply. For full explanations, please refer to our Sharing Guidelines (pdf).

**For updated prescription sharing information, refer to our Pharmacy Program page.

***Dental and vision expenses may be discounted through our SavNet program, available as part of our Liberty Complete and Liberty Plus programs.