2018 Decision Guide - Liberty HealthShare ·...

A healthcare sharing ministry of Gospel Light Mennonite Church Medical Aid Plan, Inc.

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Decision_Guide_071118-02.pdf 1 7/11/18 2:59 PM

L I B E R T Y H E A L T H S H A R E

Preserve The Freedom of Making Your Own Healthcare Choices

Here is your opportunity to join a community of health-conscious

Americans who practice time tested principles Christians have been

observing for decades about their healthcare. Liberty HealthShare

exists specifically for everyone who either purchases healthcare for

themselves and their family, or for people who want to control their

own healthcare. Liberty HealthShare is not insurance. It simply unites

like-minded Americans to share medical costs together.

Health Sharing ... What Is It? The modern medical cost sharing movement was developed by a small

band of Christians to practically demonstrate how to 'bear one

another's burdens'. Liberty HealthShare is a program name of the

Gospel Light Mennonite Church Medical Aid Plan, Inc., and has been

operating without interruption since 1995.

Healthcare cost sharing is currently being used by thousands of

families nationwide as a cooperative means of sharing medical needs.

The leadership team of Liberty HealthShare was there when the

movement began and has over three decades of experience. They now

lend their expertise to bring the same cost-sharing methods enjoyed

by thousands of families to like-minded individuals everywhere.

Through Liberty HealthShare, the opportunity to share medical

expenses is open to anyone who subscribes to our Shared

Beliefs.

Liberty HealthShare provides an easy enrollment process, a

transparent, secure, on-line payment system, and a process to

connect like-minded people together in a community of support.

How It Works ... Person-To-Person Cost Sharing

Through our advanced technology, you send your share directly to

an assigned member's secure, online account called 'ShareBox'.

Multiple other members do the same and funds are allocated for

that member's bills!

Liberty HealthShare provides you with a transparent way to know

who you are sharing with so you can message them with prayer,

support and cheer if you choose.

When you have a medical incident,

fellow members are committed to

support you and share your costs.

2. VISIT YOUR DOCTORSHOW YOUR MEMBER ID WHEN YOU

EXPERIENCE MEDICAL COSTS

4. PROCESSLIBERTY HEALTHS HARE RECEIVES AND

PROCESSES YOUR DISCOUNTED BILLS

6. CONFIRMYOU WILL RECEIVE CONFIRMATION OF PAYMENT

1. CONTRIBUTEEVERYONE'S "SHARE" IS MATCHED TO ANOTHER

MEMBER'S ELIGIBLE BILLS

3. SUBMITDOCTOR SENDS BILLS ELECTRONICALLY TO

APPLY DISCOUNTS

5. SHAREMEMBERS CONTRIBUTE TO YOUR SECURE ONLINE

"SHARE BOX" ACCOUNT

ACCOUNTABILITY • INTEGRITY • TRUST 071118


TOGETHER, WE'RE CHANGING HEALTHCARE ... FOR GOOD

How We Keep Costs Down. Our Effective Cost Control Steps:

We Examine Costs Upfront. By putting you, the self-pay patient, in charge of your care, unnecessary costs and

procedures are eliminated. After all, it's your money! You review the treatment you receive, and you approve the costs. Plus, we have a team of professionals that will advocate for you throughout your medical incident to manage your care efficiently.

We Share in Actual Costs, not Projections. We are not insurance and therefore do not engage in actuarial projections. We do not try and predict mathematically the expected medical costs of our members. We are non-profit and our job is to keep costs down. We share in the actual costs incurred by our members.

FINALLY

TRANSPARENT

HEALTHCARE

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The Freedom of Making Your Own Healthcare Choices.

We Are Health Conscious Our members live healthy lifestyles, and their costs are typically less. We emphasize spiritual principles of wellness, health and prevention. Health conscious people tend to have fewer bills, lower costs and more rapid recoveries.

We Offer 3 Program Choices To Best Fit Your Needs and Budget:

LIBERTY COMPLETE Share eligible Medical Bills up to $1,000,000 per Incident*

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LIBERTY SHARE Share 70% of eligible Medical Bills up to $125,000 per Incident*

*After Annual Unshared Amount of $1,000 for a single, $1,750

for a couple, $2,250 for a family. See Guidelines.071118

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1 Liberty HealthShare attracts health

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• conscious Americans.Liberty HealthShare emphasizes spiritual principlesof health and wellness. Our bodies are temples!Health conscious people have fewer bills, lowercosts, and much more rapid recoveries!Liberty HealthShare has No Network.Liberty HealthShare does not tell you whichhealthcare provider you can use. You choose yourown doctor and hospital! It puts you in control ofyour healthcare. Nationwide.

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LiHerty HealthShare members share in "Actual Costs" not projections. Liberty HealthShare members share in "Actual Costs", not inflated projections, allowing members to enjoy lower share amounts. "Projections" tend to keep costs high and continually rising.

Liberty HealthShare has a 2 month refund policy. If for any reason you want to discontinue within the first 2 months, and you've not submitted any bills, we'll refund your monthly share completely ... no questions asked!

1 Q Liberty HealthShare offers End of • Life Assistance.

After 2 years of continuous membership, LibertyHealthShare offers End of Life Assistance to helpease the costs its members face during the loss ofa family member.

Liberty HealthShare is not driven by profit.We are a non-profit organization. We operate on a flat $24.00 monthly administrative fee received for each enrollment whether single, couple, or family. We also receive Annual Membership Dues.

Liberty HealthShare Protects Members Against Excess ChargesAs a sharing community, our members share medical bills based on fair, reasonable and honorable pricing. Our first priority is to advocate for fair pricing and keep costs down for our members.Liberty HealthShare is Accountable and Transparent.Liberty HealthShare practices person-to-person sharing of medical costs. You always know what amount you contribute, where your money goes, what your medical bills cost, what bills have been shared, and when your bills have been paid. Liberty HealthShare is an Open Community.Liberty HealthShare is open to all who subscribe to our shared beliefs. We exist specifically for small business owners, self-employed individuals, or anyone who wants to take direct control of their health care.Liberty HealthShare is about choices. Liberty HealthShare offers three options of health sharing that you can choose from; Liberty Complete, Liberty Plus, and Liberty Share.

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DETAILS

Share medical expenses up to 1 million per incident:

SavNet Health Savings

Discounts For:

Medical

Dental

Pharmacy

Chiropractic

Eye Care

24/7 Nurse Hotline

LIBERTY

COMPLETE

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/AV ET /AV ET HEALTH SAVINGS FOR THE ENTIRE FAMILY HEALTH SAVINGS FOR THE ENTIRE FAMILY

Paid Through MedCost Solutions, LLC. Paid Through MedCost Solutions, LLC.

Rx Only

, SavNet included in total monthly commitment for Liberty Complete and Liberty Plus. Note: 111is option requires a separate SavNet enrollment form and a one-time $10 setup charge.

Per Incident: (After Annual Unshared Amount. See Guidelines)

AUA (Annual Unshared Amount):

Doctor's office visits for each related medical incident

Tier 4 Prescriptions within 45 days after Acute Illness (See www.savnet4liberty.com for details)

Physical therapy and home health care for each related medical incident

Inpatient or Outpatient hospital treatment or surgery for a medically diagnosed condition

Eligible Medical Bills Up To

$1,000,000 Eligible Medical Bills Up To

$125,000

70% Of Eligible Medical Bills Up To

$125,000

$1,000 for a Single; $1,750 for a Couple; $2,250 for a Family

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Medical costs are shared on a per person, per incident basis,for illness or injuries incurring medical expenses when treated by physicians, urgent care facilities, ER, or· hospitals (inpatient or outpatient)

End of Life Assistance Included:

Primary Applicant: $10,000

Dependent Spouse: $5,000

Dependent Child (Birth-Age 26): $3,000

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For no additional share amount (until age 65),financial assistance at time of death is now included for all Sharing Members according to the above schedule.

First Annual Membership Dues: Liberty HealthShare dues are $125 & SavNet dues are $10

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TOGETHER, WE'RE CHANGING HEALTHCARE ... FOR GOOD

SM

Liberty HealthShare is made up of like-minded individuals who voluntarily

share one another's medical expenses. Our core beliefs mobilize our actions, and we

relate to one another in community because of them. We ask that each member endorse

the following Shared Beliefs:

I believe that my personal rights and liberties originate from God and are bestowed on me by God, and are not

concessions granted to me by governments or men.

I believe every individual has a .fundamental religious right to worship the

God of the Bible in his or her own way.

I believe it is my biblical and ethical obligation to assist my fellow man when in need according to my available resources

and opportunity.

I believe it is my spiritual duty to God and my ethical duty to others to maintain a

healthy lifestyle and avoid foods, behaviors or habits that produce sickness or disease.

I believe it is my .fundamental right of conscience to direct my own healthcare in

consultation with physicians,family or other valued advisors,freefrom

government dictates, restraints, and oversight.

If your beliefs are in alignment with our beliefs, please contact us for details!

What To Do Next [!( ACTION STEP #1: COMPLETE THE APPLICATION

Fill out the enclosed Sharing Member Enrollment Application for yourself and your family. If you prefer, you can apply on-line. Go to www.LibertyHealthShare.org to submit your application on-line

[!( ACTION STEP #2: MAKE YOUR PROGRAM SELECTION

Decide which program meets your needs the best and select Liberty COMPLETE, Liberty PLUS or Liberty SHARE.

[!( ACTION STEP #3: SUBMIT YOUR APPLICATION FOR APPROVAL

Sign and date all the signature lines on the Sharing Member Enrollment Application and remit your first annual Membership Dues. Make sure all information requested is filled out completely. Incomplete responses may delay Application approval. Send the completed application form and first year annual dues to Liberty.

For general information, help with your Sharing Member Enrollment Application, questions about the Guidelines, or any other related matter, call, toll-free, 855-58-Liberty, and one of our helpful staff will gladly consult with you. Or, visit ourwebsite at www.LibertyHealthShare.org.

[!( ACTION STEP #4: COMPLETE THE MEDICAL HISTORY QUESTIONNAIRE

Once your application is received, you will be asked to complete a comprehensive Medical History Questionnaire. You have the option of mailing your Questionnaire, or completing it on-line. Rest assured, all the information you provide is confidential and will only be used to determine your membership eligibility in accordance with our Privacy Policy. When we receive your completed Medical History Questionnaire, your Application process is complete! It is our commitment to process and respond to your Application in as timely a manner as possible.

[!(ACTION STEP #5: RECEIVE YOUR WELCOME PACKET

Upon Application approval, you will receive a Membership Welcome Packet with Membership Cards and additional information. You will be advised of your start date and the due date of your first suggested Monthly Share Amount. During the first two months, you'll send your Monthly Share Amount to Liberty HealthShare. In the third month and following you will be assigned to send your monthly share directly to another Sharing Member who has medical expenses through your own, secure, online Share Box.

DISCLAIMER: This program is not an insurance company nor is it offered through an insurance company. This program does not guarantee or promise

.., that your medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this program should never be considered as a substitute for an insurance policy. Whether you receive any payments for medical expenses and whether or not this program continues to operate, you are always liable for any unpaid bills .

. LibertyHealthShare.org (855) 585-4237

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2018 Decision Guide - Liberty HealthShare ·...

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