- Annual Unshared Amount.
The amount of medical expense eligible for sharing must exceed an annual accumulative amount for each single, couple or family membership.
Such annual amount shall be calculated upon each member’s Enrollment Date until their next annual renewal date.
All eligible medical expenses that exceed the applicable Annual Unshared Amount shall then be subject to the program limits per incident selected by the member.
Wellness
After the first two months of membership, an
annual preventative wellness visit and related lab work for which
there are no medical symptoms or diagnosis in advance are eligible
for sharing, up to a maximum of $400 of the fair and reasonable
charges as determined by Liberty HealthShare and not subject to
the AUA.
a. Well baby visits including immunizations are eligible for sharing
within the first 13 months after birth and not subject to the AUA
or the two-month waiting period.
b. Any new condition based on symptoms discussed during your
preventative wellness visit and any additional diagnostics or
labs that are ordered to determine treatment are shareable
according to LHS guidelines and are subject to the AUA.
c. Liberty Select Program Exception: Wellness visit, related lab
work and preventative screenings are eligible for sharing up to
a maximum of $400 per membership year and not subject to
the AUA.
Screenings
a. The following preventative screenings are not subject to the AUA:
i. Screening pap smears are eligible for sharing once every year.
ii. Screening mammograms, PSA tests, and Cologard® are eligible for sharing once every two years up to and including age forty-nine (49).
iii. Screening mammograms, PSA tests, and Cologard® are eligible for sharing once every year for members fifty (50) years of age and older.
b. The following screenings are eligible for sharing and are subject to the AUA:
i. Screening colonoscopies and bone density screenings
ii. Ultrasound/MRI/Thermogram screening conducted in lieu of a screening mammogram
iii. All diagnostic screenings
c. Liberty Select Program Exception: Preventative screenings are eligible for sharing and
included in the $400 maximum per membership year for wellness visit, related lab work and
screenings and not subject to the AUA.
Sharing Program
Liberty Complete: $1,000,000 shareable per incident after annual unshared amount
Liberty Plus: $125,000 shareable per incident after annual unshared amount
Liberty Share: 70% of eligible medical bills, up to $125,000 shareable per incident after annual unshared amount
Liberty Select: $500,000 shareable per incident after Annual Unshared Amount (AUA)
Liberty Unite: $1,000,000 shareable per incident after Annual Unshared Amount
Liberty Connect: 85% of eligible medical bills, up to $1,000,000 shareable per incident after Annual Unshared Amount
Liberty Essential: 75% of eligible medical bills, up to $600,000 shareable per incident after Annual Unshared Amount
Wellness Visits and Screenings
Wellness
After the first two months of membership, an
annual preventative wellness visit and related lab work for which
there are no medical symptoms or diagnosis in advance are eligible
for sharing, up to a maximum of $400 of the fair and reasonable
charges as determined by Liberty HealthShare and not subject to
the AUA.
a. Well baby visits including immunizations are eligible for sharing
within the first 13 months after birth and not subject to the AUA
or the two-month waiting period.
b. Any new condition based on symptoms discussed during your
preventative wellness visit and any additional diagnostics or
labs that are ordered to determine treatment are shareable
according to LHS guidelines and are subject to the AUA.
c. Liberty Select Program Exception: Wellness visit, related lab
work and preventative screenings are eligible for sharing up to
a maximum of $400 per membership year and not subject to
the AUA.
Screenings
a. The following preventative screenings are not subject to the AUA:
i. Screening pap smears are eligible for sharing once every year.
ii. Screening mammograms, PSA tests, and Cologard® are eligible for sharing once every two years up to and including age forty-nine (49).
iii. Screening mammograms, PSA tests, and Cologard® are eligible for sharing once every year for members fifty (50) years of age and older.
b. The following screenings are eligible for sharing and are subject to the AUA:
i. Screening colonoscopies and bone density screenings
ii. Ultrasound/MRI/Thermogram screening conducted in lieu of a screening mammogram
iii. All diagnostic screenings
c. Liberty Select Program Exception: Preventative screenings are eligible for sharing and
included in the $400 maximum per membership year for wellness visit, related lab work and
screenings and not subject to the AUA.
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