Each month you pay a “Share Amount” which is distributed among Liberty Direct members to cover eligible medical expenses. Liberty HealthShare places this money into your secure, online account called a “ShareBox.” Every month that you do not have a shared medical expense, money from your ShareBox is directed to the ShareBox of another member that does have a medical need. Likewise, when you have an eligible medical expense, funds are directed to your ShareBox. While it might seem complicated, it’s all managed electronically on your behalf, so you don’t have to focus on the red tape of health coverage.
With Liberty Direct, the amount of money you are responsible for paying directly to your provider for your medical expenses is easy to understand. This amount is called an “Annual Unshared Amount”. Once you reach this amount, 100% of your eligible medical needs are shared up to $1 million per incident with no lifetime limit.
Liberty Direct is medical cost sharing program that is a bold approach to paying for healthcare. The program is administered by Liberty HealthShare, a healthcare cost-sharing ministry that has shared healthcare costs for over 20 years. We invite you to consider joining the thousands of families nationwide as an organized community sharing medical expenses.