What we share

Sharing in a Nutshell

Medical costs are shared on a per person, per incident basis, for illnesses or injuries incurring medical expenses when treated by physicians, urgent care facilities, clinics, emergency rooms, or hospitals (inpatient and outpatient).

Members share these kinds of costs:

cut medical bills
  • Inpatient or Outpatient hospital treatment or surgery for a medically diagnosed condition
  • Doctor visits related to each medical incident
  • Prescriptions 45 days before and after each related medical incident
  • Physical therapy and home health care for each related medical incident
  • Naturopathic and/or Alternative treatments
  • Take a look at the Sharing Summary
  • Total bills incurred per incident over the Single, Couple or Family Annual Unshared Amount*

A medical incident is any medically diagnosed condition receiving medical treatment and incurring medical expenses.

These are the kinds of expenses we do not share together:

  • Pre-existing conditions for the first 12 months of participation
  • Dental/Vision services or procedures
  • Medical costs less than the Single, Couple or Family Annual Unshared Amount*
  • See the full guidelines below
Sharing Guidelines


Liberty HealthShare

HealthTracSM is for Sharing Members who qualify for our medical cost sharing program but have certain pre-existing health conditions that can be improved through lifestyle changes. HealthTracSM is in place for Sharing Members to improve their health while reducing the risk of developing or exacerbating serious diseases.

HealthTracSM members will pay an extra $80 a month (which pays for a health coach) until the goals that you both set are met.

Click Here to Learn More

*A medical expense eligible for sharing must exceed an Annual accumulative Unshared Amount which is $500 for a single, $1,000 for a couple, $1,500 for a family and is calculated upon each member's enrollment date until their next annual renewal date.


Make the best choice for you, your family your small business!

  • who we are
  • how we work
  • our proven method
  • how we keep costs down
  • program options & costs
Liberty HeathShare Decision Guide
Enroll in Liberty HealthShare

Got a question?

Give us a call 1.877.987.6249

or shoot us an email info@benefitsnj.net

Proud Member Sponsor of Liberty HealthShare —
a healthcare sharing ministry of Gospel Light Mennonite Church Medical Aid Plan, Inc

PO Box 1241 | Mt. Laurel, NJ 08054 | 877.987.6249 | Privacy Policy