Liberty HealthShare designed its Liberty Rise program for young adults, married couples without children, and students who need to satisfy a college health requirement. The healthcare sharing program sits at the lower end of the ministry’s price scale, and its structure differs enough from the ministry’s other five programs that a line-by-line look helps clarify what a member has access to for the monthly amount.
Liberty HealthShare is a nonprofit healthsharing ministry, not an insurance company. Members contribute a suggested monthly amount, and the ministry facilitates the opportunity for sharing eligible medical expenses among the membership community. Liberty Rise applies that same structure but scales the cost and the sharing limit down to match a younger, generally budget-conscious population.
The Base Cost and the Ceiling on Sharing
Liberty Rise carries a suggested monthly share of $99 for a member. Married applicants cannot combine their sharing under one membership; each spouse who wants to enroll must sign up separately and contribute individually. Once enrolled, a member’s eligible medical expenses are limited at $50,000 per year across all services, a limit considerably lower than the six-figure and seven-figure limits attached to some of Liberty HealthShare’s other programs.
No Annual Unshared Amount, but a Co-Share on Every Visit
Several Liberty HealthShare programs require a member to meet a certain threshold before sharing can begin, called an Annual Unshared Amount. Liberty Rise skips that structure entirely. Instead, the program applies a co-share to each individual service. A primary care visit carries a $25 co-share, limited to $750 a year. A specialist visit costs $40 per visit, also limited to $750 annually. Urgent care runs $50 per visit up to $500 a year, and an emergency room trip carries a $500 co-share with a $1,000 annual sharing limit. Hospital stays and in-patient or out-patient surgeon fees are billed at $1,250 per day, and both a CT scan and an MRI carry a $200 co-share with a $1,250 annual limit. Hospital stays and surgeon fees require prenotification before the service takes place, a step members can handle through the ministry’s online portal.
Extras Bundled at No Additional Cost
Liberty Rise members receive access to a handful of services layered on top of the medical cost-sharing structure. DialCare Urgent Care connects members with state-licensed doctors by phone or video for non-emergency issues such as colds, the flu or rashes. DialCare Therapy offers virtual counseling sessions with licensed mental health professionals. GetMoreRx provides discounted prescription pricing, ranging from 50% to 95% off generic drugs and 10% to 45% off many brand-name drugs, at more than 56,000 pharmacies including CVS, Walgreens, Walmart and Kroger. Liberty Rise members pay a per-visit fee of $60 for DialCare Urgent Care and $85 for DialCare Therapy.
What the Program Does Not Include
Maternity expenses are excluded from Liberty Rise entirely, a distinction from several of Liberty HealthShare’s other programs, which offer the opportunity for maternity sharing after six continuous months of membership. A member who has held a primary membership in another Liberty HealthShare program within the past 12 months cannot enroll in Liberty Rise, which effectively limits the program to new members, those transitioning from a parent’s sharing program, or those returning after an extended gap. Pre-existing conditions face a one-year waiting period before becoming eligible for sharing, with a phased increase in the shareable amount between the 13th and 35th month of continuous membership, up to $50,000 total, after which the condition is no longer subject to any limitation.
Add-On Options for Dental and Vision
Liberty Rise members who want dental or vision sharing may add it to their membership through supplemental sharing programs. Liberty Dental costs an additional $35 a month for a single member, and Liberty Vision adds $7 a month, both layered on top of the base Liberty Rise share.
Who the Program Targets
Liberty HealthShare positions Liberty Rise for people aged 18 to 29, along with childless married couples in that range and college students who need to demonstrate a healthcare option to satisfy enrollment requirements at their school. The pricing and structure reflect an assumption that this membership base generates lower average medical expenses than older members, which helps explain why the annual sharing ceiling sits well below the limits offered in Liberty HealthShare’s programs built for broader age ranges. Individuals who age out of the 18 to 29 range, marry and have children, or otherwise change circumstances typically move into one of Liberty HealthShare’s other five programs, such as Liberty Essential, rather than remaining on Liberty Rise.
Where to Confirm Current Terms
Monthly share amounts, co-share figures and sharing limits are subject to periodic revision as Liberty HealthShare updates its guidelines. Anyone evaluating Liberty Rise can view the current pricing, full co-share schedule and enrollment requirements directly on Liberty HealthShare’s website before applying, since program terms published elsewhere may not reflect the most recent update.