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.
Pregnancy is a time of joy, but it can also be one of mixed emotions for some mothers-to-be. While there are, of course, many things to look forward to, stresses such as doctors appointments, morning sickness, and financial realities (to name a few) can dampen even the most optimistic of spirits.
Here at Liberty HealthShare, we are invested in helping our members navigate the process of paying for their medical costs with as little confusion and stress as possible.
Liberty HealthShare memberships take all shapes and sizes. Some members are enrolled as a single, some as a couple, and some as family units. What constitutes these various types of enrollments is fairly easy to understand, however, it gets a little more complicated with dependent children, especially as they approach legal adulthood.
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.
It's the most magical time of year. Pumpkin-spice lattes are back, and that can only mean one thing: Open Enrollment is here. Okay, those two things aren't actually linked in any way, but they do both characterize the autumn months in the United States.
In the Health & Wellness Department, we are asked, “What is considered a pre-existing condition?” several times a day by both members and providers. The review and management of pre-existing conditions make up a large part of our work, so one of my goals is ensuring that our members have a good understanding of how we address these particular circumstances.
Every year during open enrollment, Liberty HealthShare experiences even greater and faster growth than normal. Although we are not bound by this enrollment season, many Americans choose to join us at that time. This year was no exception to the rule, so we know a good number of you are new or relatively new members. If you are just joining us, no doubt you have some questions about the way membership works, how sharing is accomplished, and other concepts related to Liberty HealthShare.
John Hunt, MD
Chief Medical Officer, Liberty HealthShare
To our recently enrolled members, welcome, and congratulations on your effort to escape the third-party healthcare payment system where somebody else pays the bill, e.g., an insurance company, an employer, or the government. This transition is not necessarily easy because most folks have been in the third-party payment system for so long that they have forgotten (or never experienced) what it’s like to make medical care choices based on both quality and price .
Throughout the course of your enrollment and membership in Liberty HealthShare, you have likely noticed that we use terminology that is specific to our organization and work. There are several reasons we choose to communicate in the way we do.