Liberty HealthShare℠ -- A Better Alternative To The "For Profit" Health Insurance Companies!
The cost of Medical Insurance these days is staggering and the deductibles are exasperating! Although Obama’s, Affordable Care Act (ACA), was enacted to help in providing health coverage to some who could not previously afford coverage, it has also hurt others because of increased insurance premiums and costs!
There is, however, a better, more affordable, alternative to the health care reform legislation called The Patient Protection and Affordable Care Act (Obama Care) that the “for profit” insurance companies love.
What is that you ask?
It is Liberty HealthShare℠!
Liberty HealthShare℠ is not insurance. It simply unites like-minded people who choose to share medical costs with one another with monthly member contributions that are significantly less than premiums with the “for profit” insurance companies.
Liberty HealthShare℠ Is The Answer
It is a sad fact of life that all forms of insurance these days are run by “For Profit” enterprises. In an ideal world, insurance would be non-profit, and just the “Shared Responsibility” of all of our individual contributions for those unfortunate enough to have need of financial assistance. Everyone is subject to times of need that are beyond our ability to pay, and some form of “Shared Responsibility,” not “For Profit Insurance,” is how we can affordably unite to help each other in our times of need. Of course, we each hope never to have a time of need, but should it occur, we would have the financial assistance we need. “For Profit” insurance, whether it be medical, homeowners, auto, etc., is expensive! We pay into the system and have to depend upon a “For Profit” enterprise to help us in our time of need. As you likely already know, insurance companies make lots of money and profits for the owners and stock holders of these enterprises, and they don’t like to pony up for claims. Unlike Liberty HealthShare℠, a sharing network of members who provide “Shared Responsibility” help in times of need without exhorbinate costs, these “For Profit” insurance companies value their earnings more than their client needs. For this reason, insurance costs continue to sprial higher and higher to maintain the profit margins.
The Patient Protection and Affordable Care Act (ACA), Obama Care, has an ‘individual mandate’ — the requirement that every American purchase health insurance. Under the law, you must purchase health insurance, be exempt from the law, or face a fine imposed and collected by the IRS. From the Liberty HealthShare℠ website, it is stated:
… Members of recognized health care sharing ministries are exempt from the mandate to purchase health insurance by 2014 or face financial penalties. Enrollment with a recognized health care sharing ministry REMOVES your requirement under the healthcare mandate to purchase health insurance. To maximize resources between ministries, in 2014 Liberty HealthShare℠ joined with Gospel Light Mennonite Church Medical Aid Plan, Inc. (Gospel Light), a healthcare sharing ministry recognized by the Centers for Medicare & Medicaid Services (CMS). As a result, the members of Liberty HealthShare℠ have the security of being members of a recognized healthcare sharing ministry. Liberty HealthShare℠ is a healthcare sharing ministry of Gospel Light which is the non-profit organization that facilitates the sharing of qualifying medical costs between members.”
The Liberty HealthShare℠ Principles And Some Information:
Liberty HealthShare℠ members highly value the spiritual principle that our bodies are gifts from God and we must respect and care for our physical bodies. Further, we have an ethical obligation to our fellow members to live healthy as this keeps medical costs down. As a community of people we try our best to live out Jesus Christ’s mandates. In general, a healthy lifestyle requirement includes, but is not limited to, the following:
Abstain from tobacco use in any form.
Follow biblical teachings on the use or abuse of alcohol.
Avoid abuse of prescription drugs, which means consuming prescription medications in a manner not intended by the prescriber that would likely result in bodily harm or dependency.
Abstain from the use of illegal drugs. Illegal drugs include, but are not limited to, any hallucinogenic substance, barbiturates, amphetamines, cocaine, heroin, marijuana, illegal intravenous drugs, or narcotics.
Exercise regularly and eat healthy foods that do not harm the body.
Some individuals who qualify for our medical cost sharing program but have certain pre-existing health conditions that can be improved through lifestyle changes will be enrolled in HealthTrac℠. This required program is in place for Sharing Members to improve their health while reducing the risk of developing or exacerbating serious diseases.
If a condition is accepted as pre-existing, that member will be accepted with that limitation (see question about Pre-Existing Conditions on the website).
All decisions for membership approval are made in consultation with the prospective member and with the most complete information available.
As for what should I say to my doctor or at the hospital when I need medical care as a Liberty HealthShare℠ member? The Liberty HealthShare℠ website states:
Simply explain to any doctor or hospital that you are self pay, but you are part of a community of people who have pledged to share your expenses called “Liberty HealthShare℠”. Show them your membership card and explain that your bills should be sent either electronically or by mail as directed on your Membership card. Explain that reimbursement will come from the funds you receive from the group.