What about pre-existing conditions?Good news! We do take people with pre-existing conditions. 97% of our applications are accepted. You might be surprised. If you have a pre-existing condition it won't cost anything to apply and see if your current condition is a problem. It will only take a few minutes of your time.
A pre-existing condition is any condition at the time of enrollment where there have been signs or symptoms, or where you have received treatment or medication in the past 36 months.
Pre-existing conditions may be eligible for sharing. We have three different ways that they might be handled.
Most pre-existing conditions will be phased in. Within the first full year of your membership expenses related to the pre-existing condition are not eligible for sharing. During the second and third year there is a total of $50,000 available for sharing for expenses related to that condition. When you reach your fourth year sharing of expenses for that pre-existing condition will be shared without those restrictions as per the guidelines.
Condition Excluded from Sharing Permanently-
Expenses related to certain conditions may never be eligible for sharing. That's something that will be determined by the Liberty HealthShare medical staff when you submit your application. If a prospective member has such a condition their application may be rejected. Depending on the type of condition, it is also possible that the prospective member could request a permanent waiver for that condition, in which the potential member agrees to never request sharing for any medical diagnostic, service, or therapy that results from or is needed for that particular pre-existing condition. This process allows for individuals and families to be accepted as members sharing in expenses unrelated to that pre-existing condition.
There are certain pre-existing conditions that may be eligible for sharing immediately if the member agrees to join our health and wellness program called HealthTrac. Such conditions include hypertension, type II diabetes, obesity, high cholesterol and some other similar conditions. Our health and wellness program is designed to help people lead healthier lives by assigning them a health coach. This coach will help you work through the life style changes necessary to change your habits which should immediately begin to show progress and health improvements. Please review this page on the Liberty HealthShare website for a more in-depth discussion of these types of pre-existing conditions and the HealthTrac program.
For more information, see the Sharing Guidelines IV-C-15 Pre-Existing Conditions.
**Conditions that exist at the time of enrollment that have evidenced symptoms and or received treatments in the past 36 months are not eligible for sharing whether they are disclosed on the application or not.