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What is Considered a Pre-Existing Condition?
Liberty HealthShare defines a pre-existing condition as a condition for which signs, symptoms or treatment were present prior to application, or can be reasonably expected to require medical intervention in the future, needs to be declared upon application for Liberty HealthShare membership, and updated with any new symptoms/signs or diagnoses that become apparent after the application submission.
Failure to declare a medical condition upon application, or failure to update Liberty HealthShare after application, may preclude sharing in that condition any time in the future. Failure to fully disclose known or suspected pre-existing condition information at the time of application and before Enrollment Date is a violation of our shared trust between members and may subject the member to termination of membership.
Chronic or recurrent conditions that have evidenced signs/symptoms and/or received treatment and/or medication within the past 36 months are not eligible for sharing during the first year of membership.
Liberty HealthShare’s Limitations for Pre-Existing Conditions
After the first full year of continuous membership, up to $50,000 of total medical expenses incurred for a pre-existing condition may be shared in total during the second and third years of membership. Upon the inception of the 37th month of continuous membership and thereafter, the condition may no longer be subject to the pre-existing condition sharing limitations. Appeals may be considered for earlier sharing in surgical interventions when it is in the mutual best interest of both the members and the membership to do so.
Source: Liberty HealthShare Sharing Guidelines
Be sure to check out Liberty HealthShare Reviews to learn more and read member’s reviews!
Health shares are not insurance and do not offer insurance coverage. Membership in a health share does not guarantee the payment or reimbursement of medical expenses. Each organization operates under its own membership guidelines, which determine what expenses may be eligible for sharing. This publication is for informational purposes only and is not provided by an insurance company. For state-specific notices and full program details, please visit the respective health share’s official website.
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