Below, is a Liberty Healthshare review that I am able to write from personal experience. I have been with Liberty Healthshare for around 2 years now and have loved every minute of it. Like most people first learning about healthsharing ministries, I was also very skeptical at first. But here has been my experience.
*Besides being a member, I am in no way associated with Liberty Healthshare. This is just my personal review of my experience with them.
Liberty Healthshare Review
The pricing for Liberty Healthshare is pretty upfront. They offer several options that are catered to individuals, couples, and families. These options are broken down into Liberty Share, Liberty Plus, and Liberty Complete. Keep in mind, all of the pricing options you see below are after the Annual Unshared Amount.
The cheapest option that Liberty Healthshare has to offer is its “Liberty Share” option. With Liberty Share, you will receive 70% of eligible medical bills up to $125,000 per incident. The pricing for this option depends on your age and whether you’re single, a couple, or a family. For a single person under 30 that doesn’t visit the doctor much, this option is pretty perfect. For only $107 a month, you can have the ease of mind knowing that you are covered in case something happens. Even for an entire family, you are only looking at a $345 monthly price tag. This is still cheaper than any other options you might find for a family.
The Liberty Plus option falls in the middle. With Liberty Plus, you can receive up to 100% of your eligible medical bills for up to $125,000 per incident. In my opinion, this is a much better option than the Liberty Share option. For only $24 a month for a single person, you can receive 100% coverage as opposed to the 70% that Liberty Share offers.
And here is Liberty Complete. The best option offered at Liberty Healthshare and the one that I personally use myself. I initially started off with the Couple package at $249 a month for the first year. As two pretty healthy people, we didn’t need to use our healthshare much, so I was not able to judge Liberty much. However, after about a year of using Liberty Healthshare, my wife and I had our first child and moved up to the family plan once he was born. We used our Liberty Complete option throughout the entire process. You can click here to see how everything went!
When I first heard about Liberty Healthshare, I waited a couple of months before actually signing up. I spent a lot of time calling them and trying to poke holes in healthsharing ministries. The sales staff was absolutely awesome! They were very patient with me and were happy to answer any questions I had.
Eventually, I was sold. I decided to give Liberty Healthshare a try and went ahead and signed up.
After speaking with numerous sales people before deciding to try Liberty Healthshare, I was on to the enrollment process. On Liberty’s website, they have a simple enrollment form that you can fill out. This basically just lets their enrollment team know to contact you to get the ball rolling.
After filling this out. You will have a member of Liberty Healthshare contact you to go over the next steps. The process was surprisingly simple. I was sent some forms to fill out and email back to them. The forms took me about 30 minutes to complete. After that, I believe I paid an enrollment fee and my application was well underway.
There is also a period (I think 30-60 days) where you are conditionally enrolled. This means if you are to get into an accident, Liberty would still help you with your medical bills. However, if something came up that seemed like a pre-existing problem that they were not aware of, there is a chance they would not share into that. I thought this was fair enough as it keeps them from getting scammed by people.
How to pay for Liberty Healthshare
I must admit, at first, I was pretty confused about how healthsharing ministries worked. The very little amount of information that I found on the internet led me to believe that I would be sending other members my money. This seemed pretty complex to me….but I was wrong.
Liberty Healthshare has a super easy way of submitting your monthly sharing amount. Online, you can simply add your credit card and elect for a monthly draft. In my case, I have $399 drafted from my account at the beginning of the month. That money goes into a “sharebox” where the money is then sent to those who need it for medical bills. When logging into my sharebox, I can see where my money is going each month. Members can elect to show their names or remain anonymous. There is an option where you can decide how you want to be displayed when you receive money as well.
Submitting medical expenses
Submitting a medical expense is a breeze with Liberty Healthshare. There are two options you have when receiving a medical bill. You can either decide to pay the bill yourself and get reimbursed later, or you can submit the bill straight to Liberty so that they can pay the provider directly.
When you have a bill to submit, all you need to do is log in to your account and upload the bill to your sharebox. As your bill is being processed, you will receive email updates that something has happened with the bill.
Submitting for reimbursement
A lot of times, I will go to a doctor where I have a $50 or $100 office visit. In cases like this, I will just decide to pay the bill out of my pocket and submit this to Liberty for reimbursement. Many times, you may face a situation where you are forced to pay upfront for a service. If so, you will just have to bite the bullet and pay upfront and wait to get reimbursed. One thing that has been pretty frustrating with Liberty Healthshare is the wait to get reimbursed. It can take around 30-60 business days….and it’s normally on the longer end of that. If it’s something under $100, it’s probably not a big deal at all. But if you ever had to pay over $1,000, it’s not going to be any fun waiting this long to get your money back.
Submitting a bill directly
If you’re able to do so, submitting a bill directly to Liberty is always the best option. For larger services, like the birth of our child, you aren’t expected to pay upfront — instead, you are just sent a bill. This is always great because you can just upload the bill to your sharebox and Liberty will pay that provider directly.
If you can, always talk to a provider about the potential of getting a bill instead of paying up front. This could end up keeping a lot of money in your pocket!
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