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DFlower Asked February 2017
Has anyone experience HealthSharing programs like Liberty HealthShare instead of health insurance?
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There are few health sharing groups (MediShare, Samaritan, CHM). I am considering Liberty for my dad (86 in great health) since he won't have Medicare, Medicaid. I got a quote of $199/month, plus $80/month for few months in their High Track program for high blood pressure. He can use any doctor, hospital, etc. However, not many doctors are familiar with this co-op of share payment in the Southwest.
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DFlower Feb 2017
I've read their site and different sites'reviews, plus I called and ...My understanding is one gets a wellness visit with lab work, x-ray, colonoscopy, prostate exam after the $500 unshared annual criteria is met. Pre-existing is not covered in the 1st year. Then is phased-in gradually. High blood pressure is not considered a pre-existing condition by them. I'm doing more research at the moment with different insurances too. Thanks for any inputs.
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pamstegma Feb 2017
Read the fine print. They do not cover pre-existing conditions. They do not cover health maintenance. They do not have a network of physicians. No network of hospitals. A network is a provider who agrees to take your insurance. Always read the fine print.
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