Below is a list of what seems to me are the biggest differences between Liberty and Samaritan.  Also at the bottom of the list is a link for a chart you can download with a more detailed comparison.  I would encourage you to review Liberty’s materials at their website or call them for more information if their program sounds like a fit for you. 

 

I tend to look at things in a Pro’s / Con’s sort of way and of course these are just according to my personal opinion.  You will have to decide for yourself what would work best for you! 

 

Here we go:

 

PRO’s:

-Depending on the program you choose, Liberty’s monthly share amounts can be lower than Samaritan’s but then in other cases they are higher.

-Liberty will share some routine wellness visits once per year for certain services and once every two years for others.

 

 

CON’s:

-With Liberty a Comprehensive Medical History Questionnaire is required to determine eligibility for membership. Liberty may deny you membership based on this questionnaire.

-An additional HealthTrac program which costs $80 a month may be required for those who don’t meet the health standard.

-Liberty has a 60 day wait for new members to begin submitting needs to share for certain types of needs.

-Provider discounts that the member obtains do not reduce the member responsibility.

-Liberty requires Pre-notification before treatments.

-Sharing for Chiropractic Care, Therapy and Hospice are more limited with Liberty than with Samaritan.

-There are no additional sharing programs for those who desire to give more or for catastrophic scenarios.

-Liberty’s statement of faith is vaguely written and while they promote themselves in literature as a Christian organization, they only require that members assist their fellow man and maintain a healthy lifestyle.  They have no lifestyle agreement restrictions regarding sexual activity of any kind.

-There is a 3rd party that processes the monthly sharing which reduces cost efficiency and may cause sharing to feel less personal.