What are my options?Our medical cost share group offers three different program options for you to choose from. But first there are a couple of underlying fundamentals that you should know about.
Ultimately we are responsible for our own health and our own health-care. That is a paradigm shift for some who have historically been dependent on someone or something else for their decisions and their actions.
With Medical Cost Sharing you are responsible for what you eat, what you drink, the exercise that you do or do not do, and all the other decisions that you make regarding your health. You are responsible for the first $500 of health-care expenses each year if you are single, $1,000 if you are married and $1,500 if you have a family. You are 100% responsible for those Annual Unshared Amounts or AUAs. The AUA is the same for all three programs.
The good news is that after those Annual Unshared Amounts are paid, you now can share your medical expenses eligible for sharing (as per the guidelines) with the rest of the group who are standing by to help you.
Our most basic program is the Liberty Share Option. Members share 70% of medical costs eligible for sharing up to $125,000 per incident. Medical costs are shared on a per person, per incident basis, for illnesses or injuries incurring medical expenses when treated by any physician, urgent care facility, clinic, or hospital.
It is designed for the budget conscious who want a basic share program. It starts with a monthly amount as low as $107 for a single person under 30 and goes up to $395 for an entire family.
Our mid range program is called Liberty Plus. Members share all medical costs eligible for sharing up to $125,000 per incident after meeting the AUA. It is basically Liberty Share (but sharing all expenses that are eligible for sharing up to $125,000 per incident), plus our SavNet program.
The SavNet program is a discount program which includes:
- Chiropractic Services
Monthly membership in Liberty Plus ranges from $131 for a single person under 30 to $424 for an entire family.
Last but not least is Liberty Complete, which is our most comprehensive program. It is also our most popular. After you take care of your AUA, members share all your medical expenses that are eligible for sharing up to $1,000,000 per incident! This also includes the SavNet program. Monthly amounts start as low as $149 for a single under 30 and cap out at $449 for an entire family.
Eligible expenses are shared as per the guidelines. See the Sharing Guidelines for all the details.