Liberty HealthShare

I was with LHS for about 7 years. It started out to be a good relationship, and I recommended several others to join.

In Oct 2018 I was forced onto Medicare. I kept LHS as my secondary, as my husband was still on LHS. There was NO discount to our price with LHS as my secondary. They paid nothing on me during this time.

My husband had an unexpected heart condition appear in Jan 2019. LHS paid the hospital ER bill after we paid our “unshared amount”, and follow-up cardiologist appointments. We are very holistic in our perspective and sought out many other providers, out of pocket. In July 2021, we caught covid, but didn’t realize it at first. His heart flutter set off, and he couldn’t convert it himself, (as he had done many times). The first ER visit, he was NOT screened for Covid. His heart was converted and he came home. By the next morning he was in flutter again. Back to the ER. This time Covid was screened, and he was positive. (which meant that I and my elderly mom visiting were also positive). His heart was converted again at the ER and he was released. He slept through the night, and his heart went into flutter AGAIN the next morning. Back to ER. Third time in 30 hours!! We were then told by the doctor that the Covid virus was “setting off his flutter, as this had been observed in other hospitals”. They admitted him for two days and nights for observation. In the meantime I’m recovering from three day covid and my mom is getting worse. This was a scary, exhausting, and uncertain time for us. However the bills weren’t stressing me due to the knowledge we had LHS, and they would be covered as long as we paid our unshared amount.

Liberty Health Share has STILL not paid any of these ER bills!! They “processed” a few smaller bills that we paid as our unshared amount. We paid all our unshared in 2021, and yet STILL wait for these hospital and ER bills to be paid their agreed amount. I am being forced to make monthly payments to the ER company on two bills, as they threaten collections on us. As we have almost perfect credit, I must pay to save that.

After telephone calls in late 2021, and early 2022 to customer service, I was just given the standard “I can’t tell you when they will be paid. You are in line”. This was discouraging. We had to leave LHS in Nov 2021, as my husband then went onto Medicare. However, all bills to be paid were experienced when we were covered by LHS. We did our part, We paid our “unshared” amount, and every monthly premium. The last year our premium was at $524/ mo. Now it is time for LHS to do their part!!

I sent a long email with all bills listed as they have them on the website under our account. An email of Aug 2022 was NOT answered. I resent the email Dec 22, and it was also ignored. I called last month and spoke with a customer service agent, and was told that they normally reply to email right away, and she would check out my situation and she PROMISED to call me back. NO CALL BACK EITHER!

So here we sit….. MANY unpaid bills from July 2021, three trips to the ER. I found out over the phone that the bills currently coming in for current, and new members are being paid…… and they made a line of demarcation at some point, and decided that all those bills (which represent the covid back-log ) are being paid at an amount they determine monthly, after newer bills are paid. I find this unethical, and against Christian principles they supposedly stand for.

I have been patient for 18 months thus far. My patience has worn completely thin due to their current unethical practice of putting all the back log bills into a separate category to be paid, while servicing all their new customers to make themselves look better. It has also worn thin due to their lack of responding to my correspondence!

I have been ignored by LHS!!

I DO NOT recommend LHS for anyone reading this.

Hi have been a member of Liberty Healthare for 8 years. After the new CEO came in, it became increasingly difficult to collect on submissions. The new CEO sent a letter, explaining their financial situation, which needed to be cleaned up. He encouraged all members to tell all health care providers we were self pay to get the adjusted discount, otherwise we would have to eat the difference. Here lies the issue, my doctors’ billing office will not provide billing codes associated with statements to self insured patients and Liberty will not pay member unless statement includes billing codes. Thankfully, I only utilized wellness while a Liberty member so my out of pocket costs were not too high. The bummer is, I paid faithfully 399 per month and received no sharing back as promised, against wellness (annual physical). If your looking for catastrophic coverage go to Medishare or one of the bigger health share companies.

Do not get insurance with Liberty Health Shares !! My husband went to the hospital in 2021 and the expense was approved and they have stated that they will reimburse us in excess of $4000. It is now February 2023 and we have never been reimbursed. I called numerous times, and even wrote a letter to the company. They simply stated that it is an approved expense, and I will eventually be paid. I understand this is a medical sharing plan, but the fact that you would be approaching two years without reimbursement is atrocious at best. Do not waste your money on premiums as you essentially do not have insurance when you need it.

Hello,
I submitted one bill for an annual wellness checkup that was completed in July 2021. It was confirmed by Liberty that this was a covered bill and would be paid.
In August 2022 this bill had not yet been paid. In order to have the 2022 wellness checkup by my doctor, I had to pay the delinquent bill.
I was told by Liberty that I would be reimbursed. After many calls to Liberty I am still waiting for reimbursement as on February 2023!
The only explanation for non-payment Liberty will give is that they are behind and have no expected date that this bill would be paid.

PLEASE DO NOT USE!!!! IT IS A SCAM!!!!!!! If I could give them a -10 that would be the rating.
This is by FAR the worse health-share/insurance I have ever had.

They are inconsistent and change their guidelines by the minute and they don’t share into ANYTHING. Every time I submit a bill they have new reasons why not to be able to share into it.
Also, They ask you to negotiate with the providers to receive a discount and you do and get the rate reduced and then they say the they wont share into anything under $200. Then let them pay the full amount. DONT negotiate with providers.
It takes them 6 months to reply to your requests or pay the bill.
Also they do not share into ANY pre-conditions such as diabetes or any medication you need to take on regular basis.

People DO NOT USE THIS SCAM!!!!

We were with Liberty from 2017 through 2020, and at first we were reasonably happy. The concept was a good one and we liked the idea of sharing medical costs with other likeminded people. Unfortunately, over those 4 years, there were several things that happened that soured us on them. The first was reimbursement for needs going from a couple of months (which was already too long) to now way more than a year. We left them at the end of 2020 and we are STILL waiting for reimbursement of submitted needs. We were having to pay everything up front for an entire year or more, which pretty much defeated the purpose of participating in a healthshare. We can’t even log into our Sharebox anymore to check the status of our submitted needs without calling them. I really don’t want to call them and hear the same old runaround about the changes they’re making that are supposed to fix all the problems.

Second, they began charging based on the number of people in your family rather than having a set family rate. This more than doubled our costs and wasn’t doable. We were paying $650 and would now be paying $1339.

Third, because they had a rush of people leaving, they changed their terms to disallow sharing for any needs incurred two months before cancelling. This forces members to double up on coverage for two months if they have any large needs. They clearly did this as a damage control measure, but I just find all of this so disingenuous for a Christian organization.

And fourth, good luck reaching anyone who seems to care or can help solve your issues. When we were dealing with all these changes toward the end of 2020, there was ONE employee who expressed sincere regret over how we were being impacted by their mismanagement; the rest, including the SEO Mr Morrow, gave us platitudes and runaround.

I regret steering so many friends and family to Liberty, but our year of membership with our current healthshare has been an amazing experience. I encourage anyone reading this to look at the overall reviews for each organization because there is one obvious winner: Zion Health.

We love the idea of healthshare, but it did not pan out as we hoped with Liberty. They have run into financial troubles and are very behind on paying their bills. For us, this means that we will likely be sent to collectors for a $1,000 bill that they are 1.5 years late in paying. We have contacted the team but they will not give us an idea of when this will be paid.

What should be a 30-60 processing time can take months. I personally have had to wait 14 months to be reimbursed for eligible expenses. (Have heard of other members waiting even longer!).

Their communication and response time is horrible. Under new leadership helm, their response to their horrible management of processing claims was to increase the monthly share expenses AND no longer allow shares under $200. Which completely changes the whole policy because all typical doctor visits are under $200 per visit and makes it rather difficult for the average person to ever meet their AUA (member share amount “deductible”) and you basically only have coverage now for expensive procedures and surgeries and catastrophic.

I was a member of Liberty Health Share for over 4 years and got my brother and his wife to join. I didn’t have any major health events in my family during this time however my brother and his wife had a baby and Liberty Health Share didn’t pay any of the medical costs despite a number of promises, including on three-way calls with the doctor’s office and hospital billing departments promising to pay. Liberty Health Share is a farce. I started researching after this happened and found feedback from former employees that this was common behavior, and the health share was run to benefit the founders and their connected friends and family. Avoid them at all costs.

Won’t ever pay what they have agreed to pay as their share. Then someone from liberty will state here some nonsense as if they really have no agreement with you and you should of paid all the bills yourself. Imagine after paying a monthly payment for a stated plan . They are crooks and should be put out of business for all the people they have lied to. 6 years as a customer and if you pay each month and have no claims you’re fine . I now hove 3 collection accounts in the amount they agreed to pay and they have paid nothing. 65 year old Christian man who’s credit score was over 800 and is now 680. Do not even consider thinking about this crooked, worthless company. Flush your money down the toilet would be a far better use .

The concept was so good in the beginning. Unfortunately LHS is not financially sound if they can’t pay the bills, no matter how they paint the picture. It’s frustrating and sad. But now I’m being chased by collections and I don’t blame the providers.

Liberty told me recently that they have made 20% of 2021 payments for claims that are supposed to be shared by them. Unfortunately my 2021 claims in the thousands remain unpaid. They have told me and my providers they owe that 2021 is backlogged while they catch up on 2022. Why not pay the old bills first? Most likely because it will cause a financial death spiral but in this case there isn’t even a reserve to lean on. They give no hint as to when 2021 or later will ever be paid. That’s not a good sign and candidly not good business. There have unfortunately been a string of ongoing incidents with claim payments over these years and it always lands back to being my responsibility to pay or get sent to collections.

Now I’m praying that LHS will pay me back for my covering for their inability to pay 2021 claims. The reps say they will. “Eventually.” I had to pay the claims owed by them on credit card AT HIGH INTEREST RATES. It’s demoralizing, expensive and handcuffs me to their problems.

My providers have stopped seeing me. They know this is a Faith Based Health Sharing system too. This does not set a good example in a time when a good example is what is needed.

Bottom line: I have been sent to collections by providers because they were unable to collect claims reimbursements owed but unpaid by LHS. It may, in the end, be the patients responsibility but this is not in the SPIRIT of the mission of this health share system. I recently joined a traditional health insurance plan and have cancelled my healthshare program.

Do not use liberty. First few years I had them they were great. Now I’m stuck with $40k plus in bill to collections. They said I submitted the bill outside of the time frame to submit it but that’s because I resubmitted because it hasn’t been paid now they can’t find my 1st time I submitted the bill.

I remember being so nervous to sign up for it initially because they say everywhere “we are NOT insurance and don’t have the same rules.” But insurance had gotten so expensive, we took the plunge. And we were thrilled with it the first few years. We had a baby, and the process was more labor intensive on my end, but things were covered well and they advocated for us when the hospital tried to be sneaky and charge us more. The last couple years, payment has gotten much slower. It makes sense, we’ve gone through a pandemic. Like other people were saying, we did get to the point where we were threatened to be sent to collections, so we paid it. The REAL PROBLEM HERE is the change in balance bill policy. They want to pay hospitals according to the Medicare schedule. The hospital wants to be paid according to non-contracted payor rates (since Liberty is not contracted anywhere). The difference is a “balance bill” and legally and per sharing guidelines, you are on the hook for that difference. So since the hopsital is the most expensive kind of care you can receive, that’s where “catastropic” stuff can happen, and YOU WILL NOT BE COVERED WELL CATASTROPICALLY. Rates have gone up, annual unshared has gone up, smaller bills don’t count towards annual unshared, payment is slow, you are not covered your last two months of membership with Liberty- all of that sucks, but we could live with it. The real problem is the balance bill thing, and because of that change in policy I’d honestly just as soon completely self insure if I wanted to accept that much risk.

We have been with Liberty Healthshare since about 2017/2018. The thing I liked especially when we first joined was that providers that accepted the health sharing always got paid promptly. But I’m most disappointed in is the time it takes for payments to be sent to providers who don’t accept this plan. More times than not I have had bills sent to the collection agencies due to lack of payment. Just in June of 2022, I received a collection letter with two dates of service that remained unpaid, one from 2018 and one from 2019. (I have called multiple times about the bills previously.) So when I got the letter from collections I called Liberty. They said they had a backlog and that they were taking care of bills dated this year first and then what was left over was rolling to the backlog. I can’t understand as to why that would be. You think they should pay bills first that are older, especially ones that are almost 2 and 3 years old!
The collection agency won’t put a hold or negotiate anymore on these since they’re so old and told me the process would go forward and will eventually lead to the bill being sent out to a pit of state lawyer where they will send me the total amount due. It is very frustrating to say the least! I don’t have the money to pay the total upfront to a lawyer when these bills should have been taken care of literally years ago.

If I could give a 0/5 I would. I was a member for 4 years and they never reimbursed any of my bills. I then had my membership raised from $458 to $1489 without them asking or notifying me. I tried to get a refund but they denied. Unbelievable. Biggest scam ever!

We were members for 5+ years and put up with abysmal service because we understood we were a bootstraps Christain organization. We felt like we were doing our part. We often waited 1-2 years for reimbursement and had to call multiple times to advance claims.

The final straw was when they 2x their price, but this is the kicker. 4 months before the giant fee increase they added a new policy that they won’t cover expenses incurred in your last 2 months of membership. So huge fee increase where they know people will leave only to find out that your last 2 months’ of membership dues cover nothing.

We were huge LHS believers for years and now I’m hoping the class action lawsuits destroy this complany.

We are 5 year members of Liberty Healthshare.
My wife and I have medical bills submitted that have gone unpaid for over a year. I have had to call them (a multi-hour task) several times to get them to act. I am increasingly feeling that it is nothing but a Ponzi scheme that is unraveling.
My advice would be to go elsewhere. This organization is in big trouble right now.

Insuring with Liberty was a horrible experience when you actually had claims. Everything was fine as long as we kept paying the premiums and did not file claims, which we did for four years, but as soon as some claims started to happen, Liberty didn’t pay and puts you off hoping you would give up. We cancelled our membership with Liberty December 2021. The bills I have submitted complaints to the Ohio Discrict Attorney are the last of the issues I have. The more people that file complaints, the more Liberty is going to have to comply with its obligations or be shut down. I really want to move on and forget I ever heard of Liberty Healthshare. I have providers that are close to sending me to collections. Most of Liberty’s standard repsonses on Google make it seem like the issues people are complaining about are not valid. Don’t be fooled. Using Liberty Healthshare is a huge mistake that you will regret it. Just like me.

Admin Edit: Liberty (and all other HealthShares) are NOT insurance. Adding this note solely to prevent confusion for visitors who read this review.

Would not recommend Liberty Health Share – the lack of payments and empathy has been alarming. I feel bad for those individual’s having to answer the phones. I’m beginning to think the cancer diagnosis and treatment was less painful then having to deal with the stress that Liberty has caused to my financial life. Very Disappointed.

Liberty HealthShare always tool longer to pay bills, usually about 3 months. Been getting bills from Labcorp since January 2022 for services billed in October 2021. It has been over 6 months. I have called Liberty HealthShare 3 times, and we have done 3 ways calls. They have still not paid, and not I’m getting a Collection Notice from Labcorp. Not sure if I would even give them a 1 star at this point.

They took my monthly payments with no problem.

I wish I could leave negative stars. This company is a fraudulent organization. They pull people in by pretending to be Christians. It’s a joke. I was a member for four years. They are only interested in taking advantage of people. Earlier this year they flat-out told me that it was MY responsibility to pay more every month to help save them because they’re so financially inept. That’s why they keep raising the prices, by the way–so the members can pay to clean up their incompetence. I paid thousands of dollars out of pocket for necessary medical treatments in 2021 that are still “processing.” When you call, they just tell you they can’t say how long it will take to process those but for some reason they are now committed to timely paying out for anything submitted in 2022. So if you’re in the backlog, they are basically saying yeah forget you we’ll get to it at some point if we can buuuuut we’ll probably never be able to so thanks for your money goodbye. At this point I’d rather just eat my thousands of dollars and see this lying incompetent company go out of business before they can “help” anyone else. This is such a scam organization I wouldn’t be surprised if they tell their employees they’ll be eligible for pay eventually, just keep coming to work and someday you will probably get paid. We care! THE WORST.

I have to agree with all these comments. We have had Liberty for years. There has been only a couple of times we meet our deductible. They use to pay right away but now they don’t. My husband had surgery back in November 2020. They said they would be pay. the charges are over 22,000 they said they would pay 7,000 and something. they still haven’t paid it and we are in collections for the whole amount. I even told them this and while on the phone with them they call the collections and told them they would pay. There explanation of benefits says they will not cover certain things but if you continue to read it says it will cover it under certain circumstances and then they don’t. They said their nurse not doctor looked at it and decided it wasn’t necessary. I would think a doctor would know better than a nurse. we are in collections for over 60,000 dollars. Some of our doctors were starting to refuse to except them. We dropped them this year and went got health insurance.

Terrible Sharing program with a lot of subjective language that is unhelpful for families in need of sharing. It was not a “caring/sharing community that lifts one another up in prayer”. There was no evidence of prayer and no evidence of reimbursing sharable expenses. In other words, it appears to be a scam.

I wish would have looked into the reviews
Before I started purchased my monthly payments, all is good until you have to use Liberty! Tried to call them today being good
Friday they were closed I don’t understand
Because they are not a Christian company they are no good. When you do what is expected of your part of the deal and Liberty does not do there portion it is sickening. They need to stop advertising and the Christian Radio Stations should be ashamed if allowing them to advertise on there station. I have bill collectors on my rear because of Liberty. I stopped this year
2022 being a member and made sure I paid and went by the rules that they gave me do they still would be obligated to pay
My claims as they promised. Hey liberty
Reach out and call me with some real info and dates on paying your bills!?
In Awawnas they teach starting verse
The heart is deceitful of all things
And Liberty proves this

All the negative reviews here are correct. Horrible service and horrible care. Was literally told on the phone yesterday, “I cannot give you any information and no one- no supervisor or anyone else at this company- can give you any information about your bills. We are not working on your bills.” Then what are you working on? How is this providing CARE to your members?
We have realized they won’t pay any of our bills. We’ve called DOZENS of times and have learned that the hard way, now almost a year after the provider initially sent claims. But why not be forthright about it? They already lost me as a member, what’s the harm in telling the truth (instead of getting defensive)?
If you have any sort of larger medical bills, PLEASE save yourself from giving a chunk of money each month to these people. They will NOT actually pay, and you will have to pay out of pocket yourself unless you want to be sent to collections. Please, please, PLEASE save yourself from their “care” and don’t even mess with them. I don’t even know how they consider this a “kind” Christian community. So sad.

I have been a Liberty Healthshare member for 4 to 5 years. I had some early minor needs that were met when I first became a member. Last year, I had some back problems that created bills that needed to be paid. Also had some annual check up fees that they were supposed to be paid.

At this point, I have bills exceeding $2,370 that need to be paid either to the provider or to me. I have submitted a fraud compliant to Colorado’s Attorney General.

I’ve been with them for years and years, and rarely have any medical bills. They used to be AMAZING. Over the years they have gotten progressively worse and worse, where I had to argue for them to cover my mammogram, which they ended up NOT paying for. Would Jesus want a woman to miss a screening? Looking for insurance elsewhere. Instead of crying poor about the MEMBERS costing them money, maybe they should try to retain some of the members who costs them nothing and pay them monthly, and have referred them tons of business over the years. This started out as a place where you had to do a physical to be accepted, and they focused on keeping you healthy to keep costs down. Clearly that has changed, and they didn’t prepare for people actually getting sick.

After disputing the non coverage of my annual well woman visit, I have decided to cancel my liberty health share program. What a bunch of Christian charlatans in sheep’s clothing. This group is nothing but scam and scammers. do not trust your precious health with them. I waited 8 months to have a covered bill be covered. during that time, LHS charged me an additional 10% in share amount and an annual fee of $75. all to keep denying my legitimate charge.

Terrible experience. They are back logged and losing money unable to “share” the reimbursable items.

If you like ministry sharing platforms, go with one that is flush with cash and able to care for the financial burdens of their members. Liberty is not in this position.

My family and I have been members of Liberty Healthshare for almost 10 years. We have now switched back to traditional health insurance due to the decline in coverage, service and response time of payments/reimbursements, as well as their price hikes which now the same as an Anthem plan for my family of 5.
Liberty has taken over 1 year to reimburse my husbands hospital bill of 11K. We are still waiting. We had to pay this bill to avoid collections (as all bills with Liberty) and submit the receipts. We called again yesterday to check the status and they said they will email us when the check is sent. To me, this is completely unacceptable.
You must know that due to their extremely long wait time of payment to hospitals and doctors offices, many places that once would accept Liberty and file with them, how now dropped dealing with them and consider you a “cash payer” or having no insurance coverage. All Sentara hospitals and networks will not work with Liberty. Be prepared to pay all of your bills in full before being able to submit for reimbursement. Then wait a minimum of one year before you are sent a check… if you are lucky.

Read the letter from CEO dated March 1, 2022. Essentially, blaming members for their financial woes after increasing rates by $150 per month for a couple. After the increase is effective, the letter basically informs members they will be getting zero coverages for any bill under $200. AND more importantly, they will only cover costs that they decide are “fair”. My experience over the last 5+ years, is that is about 20% less than what the providers will accept.

The handling of this situation was anything BUT Christ centered. It has been downright sleazy.
Not Christlike at all!

Horrible. Would give zero stars if possible. They take forever to pay medical bills, leaving me with tons of collections notices. And as of this month, they changed their sharing guidelines and they will no longer cover any medical bills under $200, nor will those bills count towards the deductible at all. I am switching to a different insurance immediately. Don’t waste your time or money with them.

It wouldn’t let me select Zero Stars! The worst Health Insurance you could ever purchase. If you go with Liberty it will be the worst decision you make in your lifetime. Its pretty much a Ponzi scheme. Bills are never paid for about 1 year and collection agencies are sending you letters each week. You will literally need to quite your job to handle and the paper work and calls you need to make to just have 1 medical bill paid. The headaches, emails, calls, and lack of support from this company is hands down the worst I have ever seen. They put the word “Christian Company” on their website to try and hide how bad they will screw you. Do yourself a favor and don’t get Liberty Healthshare

They dont pay your bills, save your money and go somewhere else. They sure do take my money every month……. I have used it twice in 5 years and have been turned in to collection both times…… This company is mismanaged big time

I have been an insurance agent for 34 years.
On a recorded call with Liberty Health Share (three different times) before applying and while applying. I asked the question about having a periodic cigar… I was told “no problem”, then applied. When they called to review our application, I again asked the question and got a different answer about cigar smoking. I was told that ANY USE would be reason for them to deny “cost share”. So I asked a different way, “If I were in an automobile accident and had significant medical bills, could they deny the cost share if there was a sign of tobacco in my system from a cigar?” I was told “YES” page 5 or 20 of the contract. Even if the cigar had nothing to do with the injuries from car accident? I was told YES.. NOT sure how they can get away with that.. It’s like all those people that died of C_VID (that actually died of a car accident…

I have asked for a supervisor to call me back…we will see if they do…

I am glad I withdrew my application!! BE CAREFUL!!!!!

God Bless,

Scott Uram

If I could give them zero stars I would. I have a bill for an emergency room visit for over $4,500.00 that is over a year old. I’ve been on three way calls with the hospital and them and them and their MCS solutions. Originally, someone there told me to pay my share to the hospital, which I did, $1,750.00 and then found out that was the wrong thing to do. I have been told repeatedly that I will have that money refunded since it was their fault, I haven’t seen it, and I won’t. When all is said and done Liberty says that my share is about $450.00, I don’t have the paperwork right now, and their portion is about half of that, which they sent me a check for to pay the hospital, but I have already paid the hospital. The hospital turned the balance over to a collection agency and after almost a year sent me a letter that now I’m a charity case and they’ll accept $600.00 (over $2,000.00 off) which I submitted to Liberty. It won’t get paid. Now my wife went to the doctor because she was really sick, MCS Solutions told her to pay about $180.00 of a $350.00 bill and they sent a letter to the clinic that they’re not paying anymore. The clinic called today, THEY WANT THEIR MONEY NOW! We’ve paid about $20,000.00 to Liberty, they are a total scam. If that’s what they pay they need to convince the provider to accept it, which they don’t. I am going on Medicare in a few days, I’ve cancelled my membership. Now I found out that they won’t pay any expenses for 60 days prior to my canceling. So, why did I pay the last two months? Shouldn’t I be covered for the time I was a member? I guess it doesn’t make a difference since they wouldn’t pay anyways. My wife and I were with them for about three years. My wife and I feel totally ripped off and grateful that no big event happened under their watch like cancer or a heart attack we would have been bankrupted. Again, they are a total fraud scam, do not, repeat, do not join them. PS this is a nutshell version of what happened. The emergency room visit was the day after Thanksgiving 2020. Numerous calls, always promises that never happen. Also MCS Solutions is a company they send you to, they don’t even handle the claim themselves.

I can’t imagine Liberty HealthShare will be in business much longer. It’s been eight months since our child was born and they still haven’t paid the bills. We have been sent to collections multiple times. Liberty HealthShare has said their timeframe used to be six months but now it is longer because of the influx of requests they have been receiving. I’m now on a payment plan with the hospital and submitting those receipts to Liberty HealthShare as well with hopes that they will pay me back at some point in the future??? It has been a nightmare working with them.

Liberty HealthShare – They lure you in with their Christian values, but it’s really just a big money grab. They had us jump through hoops to get our claim in, and still found a loophole so they could avoid paying out! Please stay away from this “so called” Christian company unless YOU enjoy throwing your hard earned cash down the drain. Wish I could give them less then one star!

Please do yourself a favor and do NOT sign up with this company as you will absolutely regret it. This is NOT a Christian Company which they hide behind and in all honestly Liberty HealthShare is sincerely nothing more than a Ponzi Scheme which unfortunately we learned as well. We won’t rehash everything that’s already been said but please know that the never ending thread of negative reviews are all true and there is a reason that people are canceling and leaving this company in droves. Truly sinful how they operate and I truly doubt anyone working for this company has any kind of a soul. Please AVOID them at all costs. God Bless.

I wish there was a lower review I could give this organization. I have been a member since 2019 and have had nothing but trouble with this healthshare orgainization. I am currenlty 31 weeks pregnant and have tons of medical bills they are NOT paying or sharing. When my husband or I call, we are told there is a “back log” (whatever that means) and medical providers/facilities will “eventually” get a check as long as we keep paying our AUA…which we are paying well beyond that because medical facilities/providers are wanting their money. We are also being sent to collections. We have asked them multiple times are they going out of business because things just seem very suspicious. They continue to take my $500 a month and my annual fees with no problem. We cannot afford other medical insurance at this time especially since there are no open enrollments, so we are stuck and continue to go in debt because of this organization. They have been reported to the BBB by multiple people. If you have other options, please beware of this “wolf in sheeps clothing” organization. There is something nonChristian about what they are doing.

I would leave a zero if I could. Run from this company don’t be fooled by there GODly caring sharing lies! They cheat and steal from their members. I was a member for 5 years and would have to call to get my money back for a year!
When I finally cancelled I had met my deductible and had 3 bills left to be paid. One for a child well visit which is included for free even pre deductible. When I called 3 months later after I had canceled they told me they would not pay any of bills in the last 60 days!! Even though I paid my monthly bill they took my monthly fee and refused to pay my bills and they wouldn’t refund me my monthly fee. They are a scam. They said they sent out a newsletter with this new “clause”, a clause that says we won’t pay your bills if you cancel even though you paid your dues and meet your deductible. Also, if they paid my bills on time it would have been paid before I even cancelled but because they wait 6 month to a year to pay any bills they can conveniently put this clause in to avoid having to pay bills.

Awful customer service, pre-authorization given in writing for procedures, followed by refusal to pay. Leaves customers to carry hefty balances on medical care without compensating for months and months (in our case, no repayment for ten+ months.) Will not cover medical needs in the sixty days prior to canceling, even when members are in good standing and fully paid up during a contract term.

I am not one to leave bad reviews! In fact this is my first! We have been with Liberty HealthShare for years. We used to take pride in it and would refer all that we talked to. It has gone downhill fast the past couple of years. Little to no help when trying to settle anything and takes forever! We have always paid cash first to get them the discount. But then when you send the claim in properly they dont accept it! Also as we just canceled with them they are choosing to charge me the month proceeding cancelation simply because we had an autopay set up. They told us if we had paperbill we could have just not paid it! Save your money do not use this company! You are better off with no coverage!!!

I’ve had Liberty Healthcare for a number of years. Last year was the first time I met my AUA and months and months later I haven’t received any reimbursement. And they take a long, long time to pay providers. I was planning on getting health coverage from traditional insurance this year but it wasn’t financially feasible. I’ll defiantly be switching next year. I agree with others, stay away from this company.

My family has been sharing members of Liberty Health Share since 2015. We are a young and health family, so never had any expenses beyond well checks for the first years. This past year 2021 we actually need to use our Health Share, Liberty. I submitted every bill I paid after working with every provider to get costs done. I paid every bill and submitted every bill and receipt. Upon meeting our deductible amount, Liberty never paid out to a single penny to ANY PROVIDER and NEVER reimbursed me for any expense I paid beyond the met deductible. I still waiting. I haven’t received payment for bills from April 2021 and it is currently Jan 2022. We paid our premium monthly in the amount of $675. We would have been better off to keep our money and not have Liberty Heathshare at all. Then at least I could have use the money I paid them to pay for our medical bills instead of paying them AND paying ALL of our bills myself. Also, most providers are catching on to the lack of payment from Liberty and refuse to take it at all and require prepayment for services.

LHS’s monthly share requests are increasing extraordinarily in 2022… and yet, they still are over a year out on reimbursements. They are not forthcoming when they tell you a bill has been escalated for quick reimbursement. It’s nearly a full time job to keep up with them, if you’ve had an extended hospital stay with numerous bills. Their online reconciliation/dashboard is not user-friendly. We are now in collections from several medical providers because of their slowness to pay. The pharmacy program they push members to use is not considered a true prescription insurance program, and is not recognized by Bristol Myers Squibb to allow for any price reduction in Eliquis ($500/month). This is not a legitimate healthshare company. WE REGRET THE DAY WE SIGNED UP. STAY AWAY FROM THIS COMPANY.

After 6 years with this company I share my experience. They are EXTREMELY hard to work with. You have to follow up excessively and diligently to get your money back. Before I cancelled with them, I called three different times and asked different phone reps if they would cover medical expenses after cancellation and they explained they would as long as the expenses were in the time period that I was a member. Great! So I thought; but that is NOT what happened. LHS did not cover expenses even thought they were from dates nearly 4 months before I cancelled. They also take a minimum of 9 months to process claims. I had some claims that were over a year old and I still had to vigilantly call to get LHS to follow through. They are very slow and you cannot count on what they say.

They are only efficient in their sales process and premium payment collection.

They are great as long as you don’t have any health bills. Nothing is covered, even what is pure authorized takes 1+ years to be paid— if ever.

Do not even think about it!

Had Liberty for years. Didn’t have to use them until we got pregnant in 2021. They said they would cover all ultrasounds, all prenatal, labor and delivery up to 125,000 after my AUA of 1000 was met (after I had my daughter they raised our AUA to 1750 even though we more than met the first AUA)
We haven’t seen a dime back since April 2021 and after reading recent reviews and finding out about the Class Action Lawsuit against them we’re assuming we probably wont. We were debt free…now we owe over 25,000.
STAY AWAY FROM THIS COMPANY.

I had them for years, but it has only gotten worse with each. Fast forward to now, I can’t go to quest Diagnostics anymore because Liberty is so late in payments, and I have to check my thyroid levels regularly. It sucks to be paying almost $400 out of pocket each month and you can’t go get your blood drawn. Also they just changed the new rules so that when you cancel your membership, they don’t cover the last two months of membership you paid for

Liberty Healthshare changed their program, which wasn’t supposed to take effect until March for our account. Due to the changes, and our medical needs taking 18+ months to be paid we decided to go a different direction. We called in to cancel our plan and told them it would be our last month, and then the representative told me that any and all needs for the previous 2 months would not be covered. The representative told me that a new policy is in effect that says that once a person cancels, no bills for the past two months will be covered by Liberty. I didn’t agree to this policy. I asked how that was even ethical, and they responded, that it really isn’t but I can email info@libertyhealthshare.com and ask for a refund. I emailed them three times and never got a response. Not only did they take my money that they don’t intend to offer any service for, but they also charged me for an annual renewal even though I was canceling. On top of that, they refuse to do what we signed up for in a reasonable period of time. There is no way what they are doing is legal, and the new Class Action Lawsuit against them highlights that. Beware of Liberty Healthshare at all costs!!! Christian… I don’t think so…

Absolutely horrible! I have bills that were approved to share from a year ago and I have not been reimbursed. As of now I have about $17K of medical bills I have paid and were approved for sharing by Liberty, but they have not been reimbursed yet. Whenever I call Liberty they say that they cannot give me a date when I will be reimbursed. DO NOT JOIN!!!! YOU WILL REGRET IT! As others have mentioned, I wish it was an option to leave zero stars.

It truly bothers me to have to leave such a low score for this organization. I am on a fixed income and LHS is my only source of paying my medical bills as I do not yet qualify for Medicare. My AUA is $1,000 per year; in 2020 I paid $7,658.55 over the AUA and in 2021 I paid over $2,141.84 over the AUA, with no definitive answer as to when I will be refunded this money. The majority of this spending was paid with a credit card which I am paying high interest rates on. In addition to this, I pay $399 per month to subscribe to LHS. As I mentioned before I am on a fixed income and am finding it very difficult to pay for other necessities. I am called to be a good steward of the financial gifts that God has given me and I am struggling with that. I do not need a reply to this review by someone stating how much money Liberty Healthshare has spent on paying for medical bills; I understand that but that is your job. When I do the math, I find that if I had put $750 a month into savings, I would have been able to pay for these bills out of pocket and saved the credit card interest.

Liberty HealthShare is prompt in collecting my premium every month but they are terrible in reimbursement of medical expenses. I have been waiting 6 months for them to reimburse me for thousands $$$ medical expenses they approved and told me to pay and they would reimburse me with in 10 days, that was 6 months ago!

I have called 5 times talking with a different customer service representative each time, each one told me the bill has been approved and waiting for payment, one rep told me it could take as long as a year to get reimbursed!

Liberty healthshare is a scam, DO NOT become a member here. You never know what will be shared or not shared, you will spend hours of your life trying to figure out this terrible system while wanting to cry. My account always said bills were not sharable because of ineligible medical codes and it was my responsibility to have ALL medical records sent for every bill. Oh and you’re not covered for the first 2 months or last 2 months of your membership even though you’re paying a ton of money. How is that even legal? What a great christian company. They’ll take your money and do nothing in return. Worst 2 years of my life dealing with them. Wish I could give them no stars, they earned nothing and made me feel like I was going crazy trying to figure out medical bills.

I wish ZERO stars was an option. This company is an absolute SCAM and a disgrace to decent and honest people. DO NOT FALL FOR IT. Sure, as long as you actually have no large medical expenses it’s fine, they just pretend you’re working toward meeting your “unshared amount” which is kind of like a deductible–but as soon as you pay out of pocket for something costly they will basically tell you there’s nothing they can do and you just have to wait. They used to say they would reimburse you within 180 days of your medical service–now it’s an UNLIMITED amount of time which means you will likely never be reimbursed because unlimited can mean forever, can’t it? So I paid almost 10,000 for a hospital visit that will probably never be reimbursed. I was just told that the 4,000 colonoscopy I just had will not be submitted for sharing if I dare to cancel my membership. This is a JUNK operation just taking people’s money and pretending to be a legitimate business. Absolute, unbelievable scam operation fishing for Christian “members” just to swindle nice people. You would be better off collecting donations from kind strangers online than hoping this company will help you pay your medical bills for the bargain price of YOU paying THEM hundreds of dollars per month. This company is a DISGRACE.

There’s a lot of deserved hate for Liberty Healthshare. I am fairly confident I can tell you why: they have stopped paying bills in any timely fashion as of the beginning to the middle of 2021.

Here’s why I think so: in 2018/2019, they did a software upgrade to track all your bills in their online portal. This software upgrade failed for 2 reasons: Liberty didn’t export all the previous bills and the new software did less (now it is fixed). So their original reimbursement window of 3-4 months, got extended to 6 months. What they weren’t telling customers or their agents is that really they were paying 8 months behind because of this software upgrade.

Liberty Healthshare is a non-profit and their tax returns are public information on the IRS website (search “Gospel Light Mennonite church”). If you look at their tax returns, they experienced massive growth from 2015 to 2018 (from 2015 to 2016 their annual shares collected went from $6.4m to $36m, $64m in 2017, $61m in 2018, and $54m in 2019). In 2018, they had a positive $4.7mil on the books. Then in 2019, they went -$5mil profitability. This leads me to believe because of their software upgrade, many people lost faith in the longer reimbursement windows. You can see a $6m decline in annual share collected in 2019. Unfortunately, they have not filed for 2020 yet to see the rest of the picture.

They send out a monthly newsletter showing their “share power” and they are consistently around $5m short on needs vs collected monthly shares. This is adding up quick and currently bills are being reimbursed 1+ years after services.

To fix the situation, Liberty is raising their monthly share cost they charge members by almost 100% starting March 2022 (ex: a family on a $675/mo plan is going to $1,100/mo). Now this would fix things with Liberty, but I’m not sure enough people will stick around long enough to find out.

Bonus financial details: Liberty appears to run on a very high 30% expense ratio. So if they collected $60m, they spent $20m on payroll, software, etc… It is also interesting that in 2019 they paid their CEO Larry Foster $500k/yr, and other 6 company officers $100-200k/yr. That is almost $1.5m/yr in officer compensation!

Where to go from here: there are other Healthshares that are financially healthy because they weren’t as cheap as Liberty (ex: $675/mo for a family with $2k max out of pocket). You can explore those Healthshares. Zion Health seems to get a lot of love in the reviews. They have a slightly different model: the customer shoulders all routine healthcare, but they cover incident costs over $1,000. When running the numbers, a healthy family can still have a lower annual health care cost with a healtshare vs traditional insurance.

Sadly I agree with all of the first comments I read on this post. I canceled membership today after only one year because we have been waiting months for reimbursement on annual visits that I paid for out of pocket but were promised would be covered based on the coverage I “shared”. We did this to save some money and loved the idea of sharing medical costs with others. Sadly, I as the sharer am not being shared with when I need the money. My totals are only around $500. I know many who are waiting on tens of thousands.

When I went to cancel today effective 12/31 I was told that nothing in November or December would be covered. But if I remained a member then it would. This company sounds bankrupt at best and total mismanagement of resources coupled with coercive financial manipulation at worst. The lady went on to tell me that they are NOT an insurance company and should NOT be considered an insurance replacement and that they are NOT obligated to cover any expense. Don’t give your money to this company. You are better off just being self pay because at least you won’t be shelling out $675 a month to be so.

Horrible waste of money. They cover nothing. Everything they say is covered you have to pay yourself and wait for reimbursement, which can sometimes take over a year and then there is another reason why you do not get reimbursed. They take your money and use it for everything but medical expenses.

Total scam and rip off.

Terrible company in 2021 they are paying claims well over a year out…they cannot pay claims but in 2019 paid their CEO over 500,000 dollars and I cannot find out about 2020 because I cannot get access to their most recent 990…run as fast as I can away from Liberty

ZERO STARS WAS NOT AN OPTION. DO NOT put your faith in this company. They can take up to a year to pay your eligible expenses. I was with them for several years as it was the most affordable option for me at the time. I am healthy with no major medical concerns. Whether it was a yearly check up or a mammogram (all covered), they would not pay the provider in a timely manner. It typically took 7-9 months. When I called, they would just say, “It’s in the queue to be paid.” They use being a non-profit as an excuse. I paid my share every month on time. They did not hold up their end of the bargain and my bills would eventually go to collections. This company will likely dissolve because it is so poorly managed, so protect yourself and look elsewhere. Read the fine print. They make NO PROMISES TO PAY YOUR CLAIMS and they will tell you that when you call to ask why it’s taking a year. No Christian organization would do this, in my estimation.

We were members for two years. Decided to get it our of mere fear of not having health insurance -the sad American reality. The service and its long waiting times made it absolutely impossible to deal with. We have been waiting for over a year on reimbursements. We feel unseen and unsupported by having Liberty randomly decide a certain expense is ineligible. We do not feel our money is going towards good use and we do not wish to be linked to this organization any longer. At the end of the day, this is yet another crooked, corrupt Christian Ponzi scheme.

Liberty Insurance has had some funding issues that make it difficult to pay approved medical costs in a timely manner. That said, they seem to be trying to turn things around and their customer service has improved over the past year. Although I do have some outstanding bills, they have assured me that they still intend to cover the medical expense.

If it were possible to leave worse that 0 i would…this company is so messed up go to BBB and read about their issues as well as all these reviews. They literally told my provider KEy Whitman that they did not have the money to pay my claims. I had to call and cancel my mammogram today because I would never want them to not get paid and I have no confidence they will. I have been a member for nearly 5 years, rates continue to go up. When I called and asked when my bill might be paid they were not committal… so I asked if it was lke 6 weeks, 6 months . one year, more? could not tell me when. Then they told me all bills were first in first out… but when I heard they were paying small claims quickly they said yes that they were but all big ones are first in first out…I have contacted the Attorney General of Ohio who currently has 284 complaints the Better Business Bureau who is at over a thousand. The AG of Texas, my home state. I am watiing for the public records from Texas, The Ohio Dept of Insurance and the FTC…

Liberty Health used to be good when we became members in 2017. However, things have changed drastically and there are a lot of questionable practices now. For a Christian based program it is not very clear on its policies now and if you need a reimbursement you get the run a round for months. We have been waiting over 8 months now to be reimbursed over 45k. You used to get reimbursed within 120 days. Their policy now is “first come first funded” and they have no time frame to reimburse you. My share amount also went up each month but I have not gotten my money. Buyer beware.

had a major medical expense and the bill was huge. i or they have until dec. 18th ( which will be a year since submitted ) to pay towards the bill or it will go to collection agency and my credit will be ruined. I can not even pay the monthly installments they said I will have to pay to pay off the medical bill. Wish i had not choosen Liberty. it is great if you have no bills or very small.

Absolutely the worst decision I ever made they are currently taking 9-12 months according to the to pay a less than 2500 dollar claim…the first claim I have made in all the years I have been with them…I pay 400 dollars just for me they literally told my provider they did not have the money to pay my bills…I will have to pay out of pocket and hope I get repaid some year in the future…imagine a family with small children and someone gets cancer and run up 150000 in medical expenses and Liberty takes a year or more if ever to pay…those bills will go to collection and destroy that family’s credit…awful and shameful

Liberty Health share is a horrible company. I submitted a claim for an emergency room visit my wife had on 1/25/2021 totaling over $9k that I owe after negotiation. They have 6 months to pay a bill before it is considered “late”. It has been 9 months now with no sort of resolution other than “we have a first in first out” sharing policy. I have seen other complaints from people as far back as 2019 who have yet to receive reimbursement for services with many bills going to collections as a result. This company has no reserves whatsoever and in my opinion is doomed to fail. It would be best for the company to fold and a class action lawsuit be filed against them for lack of ability to provide services to their customers in a timely manner.

Scam. Seriously, they are Awful. Listen, I’m not an idiot. I know Insurance is. I am a dentist.

We had a baby. We hit our deductible. It has been a year since the baby was born (and we have been with him a number of years but never had to use the insurance until my wife had the baby) and they won’t pay. No reason. It’s covered. They Just didn’t get around to it apparently. So now her credit is destroyed. They are the absolute worst. DO NOT USE THEM. You have been warned.

After my daughter was born 2 years ago, I’m still out of pocket on many of the costs, even though I had met the AUA. I keep meticulous records and have sent requested documents literally dozens of times, just to have them ask for them again. The claims get deleted out of the share box. When I’m able to convince someone that the claims are not paid, they just get sent back for “reprocessing” which seems to be LHS speak for buying themselves more time before they are forced to answer my questions again. My bills typically get sent to collections before I’m finally forced to pay out of pocket and then wait, for YEARS, for reimbursement for LHS. I currently have a stack of around 25 bills on my desk that I have paid that I’m waiting for reimbursement on. This entire operation is a scam and I’m sorry I ever joined.

I’ve been a member of Liberty Healthshare since 2016. In that time, I’ve really only used it for routine healthcare. Last year, I had to have hip surgery. Since then, it has been nothing short of a nightmare to try and get reimbursed!!! Its ALWAYS the same answer…”it in processing”. Funny how they demand my premiums on time but I have to wait MONTHS to be reimbursed for my surgery. I don’t have a lot of disposable income so coming up with the money up front for my surgery was hard enough but now to wait, and wait and wait.
Guess what? I have new health insurance starting Jan. 1. I will GLADLY leave LH for a company that ACTUALLY pays their bills in a timely manner. I am disgusted that a company that calls itself a Christian company can continue to operate in a less than Godly manner. They are hurting peoples credit and pocketbook, yet continue to collect premiums and apparently have no intention of paying the bills they claim to pay.
My advice…STAY AWAY from Liberty Healthshare until they get their act together.

I agree with everything Sandra said below; for the smaller expenses… Liberty Healthshare is great… like taking my kids to the pediatrician for well checks… when you actually need health coverage for larger bills… It’s a nightmare. I learned with my first experience requiring larger health expenses covered that there is no exact timeline on when LHS will actually be able to cover the expense. It all depends on how much money is available in the health share pot each month from all member contributions… I have been waiting for expenses to be covered for over a year. I’m on the phone constantly navigating angry money collectors and waiting for the unknown magical day when Liberty will pay a portion of the expense…and they have no idea when this day will arrive either. Meanwhile I’m over here hoping that my credit score doesn’t get impacted… in which case I will need to make payments on the expense myself until they are able to help pay… I am writing this review only to help educate … I was not aware that a health share worked this way… so basically I wouldn’t rely on Liberty for any major expenses.. I’d look elsewhere for coverage on that. The people answering the phones are pleasant.

Liberty is unable to share medical expenses in a timely manner, and changes the story each time I inquire about an outstanding bill. I am told expenses under 180 days old will take “up to” 180 days (6 months???? Really???).

Nothing in my membership documents state a 180 day window for sharing.

It doesn’t matter, because after the 180 days is a distant memory, I am then told the need will be sent to another dept for “review”. Or “escalation”.

Which still means nothing, because the bills remain in limbo, unpaid. I have one outstanding bill from a year ago that, amazingly, remains unshared. I can’t tell you how many times I’ve inquired about it. I have have two minor expenses over 180 days old, which they are unable to tell me when they will be shared. This is unacceptable

They are all very nice to speak to, and they all sound very earnest and understanding when I call. However, it is an exercise in frustration when I take their words in good faith that an expense will be paid, or sent for escalation, or whatever, and they do not follow through as promised.

LHS, I’m sure, means well. But they are unable to deliver. I just cancelled my membership today, and joined Zion Health Care

I paid my health premiums every month. I called twice before surgery to confirm they would pay for pre-screening colonoscopy. My wife had surgery, after surgery called twice to make sure they would pay they said they would indeed pay (consistent with information received prior to surgery). Now we have 2 bills with collection agency. This is destroying our credit report. This company is very dishonest and refuse to pay bills even though we reviewed them both in detail with Liberty Healthshare 5 times. They make you believe this is a Christian organization. They never have a problem taking my money for premiums every month but they sure refuse or majorly delay paying claims. Terrible dishonest company!!

Ta-Tanisha with Liberty Healthshare called me in 10/4/21 @ 2:40 pm CST.  She told me that even though 5 different people from LHS told me that they would pay the $526 claim, they are still not paying this claim.  So while I was on a call with Ta-Tanisha, I let her listen to a recorded call that I had with LHS on 9/20/21 @12:22pm CST.  This call was with Trent, he clearly stated that I will not have to pay the $526 claim and that LHS would pay/share this claim.  He told me there was a policy change that went in place this year (2021) that they would not pay these claims, however since the date of service (12/2020) was prior to this policy change that they would pay the claim in full.  After Ta-Tanisha heard this call, she told me that she didn’t care that 5 people committed to pay the claim and repeated that they will not pay.  After 4 times hearing them telling me they would pay, I recorded the 5th person promising to pay.  I have this recorded, I did share with BBB and LHS, I also sent this complaint to the CEO Drudy Abel and Dorsey Morrow (Senior Executive Officer) but no response of course.
 
It is appalling that a Christian organization (Mennonite) would promise me 5 times that they would pay (with evidence) and won’t live up to their promises.  This company is a scam.  VERY DISHONEST ORGANIZATION.
I received a phone call from Alexis on 10/6/21 @ 11:30am stating that it is against their “guidelines” to pay the $526 claim for my wife. While I was on the call with her, I played the phone recording of my call with Trent dated 9/20/21 regarding my wife’s claim where he specifically stated that  Liberty Healthshare would share/pay the $526 PathGroup bill. On this call Trent clearly stated that there was a policy change in March of 2021 and since this date of service was for 12/28/2O that Liberty Healthshare would pay and that I would not owe anything on this claim.  It is so hard to believe that I was told two times prior to surgery confirming that they would pay all bills associated with a colonoscopy, and 3 calls post surgery, now they are stating that they will not pay.”  I expressed my concern with Alexis, she stated that she “didn’t care what Trent told me, this is against our guidelines and we will not pay”.  Wow!! how rude and this company will not live up to their promises (even when there is evidence of a recording).  Who thinks of recording phone calls?  Answer: only when a company is about to scam you or take advantage of you and you need proof.  
Interesting to note, I also had the exact same procedure the year prior and Liberty Healthshare refused to pay for almost a year later after me calling and calling and calling them. They finally paid all claims from all providers after it affected my credit report.  So why did they pay for all of my claims from all providers and now not hers?  Could it be that they are refusing to pay because we cancelled our policy with them on 12/31/21.  This clearly tells me that there are financial retaliatory consequences when you cancel a policy with LHS.
This is a very dishonest company with very rude responses.  I did everything in “good faith” to ensure that LHS would pay since we were both unemployed during this time.  LHS didn’t have a problem taking my monthly premium payments.  They are acting as a non-profit CHRISTian organization and it is all a scam.
On 10/7/21 I sent emails to the CEO Drudy Abel and Dorsey Morrow Senior Executive Officer to plead my case, but they are consistent with how the company operates, with no response.  They may be going out of business (not sure) by the way they are treating their paying customers.  
Finally, they do all of this scam work in the name of Christ.  Very shameful and disgusting!!
I will also send in a very detailed complaint to the Attorney General of Ohio (Mr. Dave Yost) and to the Insurance Commissioneer of Ohio (Judith French).

TOTAL SCAM ORGANIZATION…. They have been sued over and over again!!

As a Liberty Healthshare member since 2010, I have provided a monthly share without interruption for over ten years. And this year was the first time I we actually tried to put my membership to use. It has been a DISASTER! Now, over 4 months into dealing with surgical needs for me wife, I am in debt over $20,000 and Liberty hasn’t reimbursed me a dime for to $12,000 out-of-pocket required for the procedures. Not to mention that the billing departments for anesthesiology, pathology, the surgeon and the hospital are all telling me that Liberty doesn’t pay.
And the worst of it all is that every time I call they ask me if I have another primary insurance. What? Why would ANYONE have ANOTHER one?
My advice is to look elsewhere for a healthcare that has their act together.

Run, RUN from this company!
Member since 2/19
Like so many others, I joined up for LHS to try and save money on health insurance. Works great if you don’t ever have a medical issue. My wife went in for an outpatient surgery in February. She ended up having to stay a night in the hospital. Bottom line, nothing has been paid and like so many others, we are getting bills and threats to be sent to collection. We are having to pay almost all of the bills out of pocket to keep our credit from being trashed. Unfortunately one of those bills is a huge number and I am not sure how we are going to cover it. LHS hasn’t even paid the paltry amount that they have agreed to pay. I was told recently by a representative that they are on a “First in, first out” payment policy. Meaning they are paying the bills in the order they come in. Problem is they are just now getting to paying bills from Oct. of 2020! I can’t think of too many healthcare providers who are OK waiting almost a year for payment. I honestly don’t know how this company stays solvent. I am now forced to go back to my original insurance and pay the insanely high premiums. At least my bills will get paid in a timely manner and I won’t get stuck with tens of thousands of dollars in medical bills that don’t look like they are going to get paid.
Oh, and their Medical Cost Savings Solutions is a joke. I called them to report a balance bill and the person I talked to sounded like she had no idea what I was talking about.
DO NOT go with this company!

I was preapproved for a surgery last fall that occured in Nov, 2020. Liberty Healthshare has yet to make a payment to the hospital and to various providers related to that surgery. I even engaged a claims agent on the phone with me to discuss that the payment would be made within 180 days. It is now coming up to 11 months. I have been told next month, next month, etc since May and now being told it probably won’t process in October? I am retired and on a fixed income and do not want to be on the hook or replying to credit collection agencies as to why they can’t live up to their obligations. I left LHS in August to go on Medicare and so happy, but worried that they are using the fact that I am no longer a member to hold up payment on these claims.

These guys have become corrupt and al about the money under the guise of being Christian. I have been a member for many years and referred many people, my family originally paid $425 a month for the coverage that as of next year will cost $999 a month!!! They play it off as oh this is just a healthshare not insurance so this is just you being a good Christian looking out for others, yet they cover very little, no medications, no mental health. They have double charged me multiple times where I have had to call in and get them to correct things. These guys take advantage of Christians under the guise of making their executives rich and giving horrible customer service. In the past I have recommended and had 4 of my friends families join, I am embarrassed I did so, this will be our last year with Liberty Healthshare. These guys will be held accountable in the afterlife for abusing Christians.

This company is a fraud! They claim to cover pre-existing conditions which is a total lie. I have a pre-existing condition and they went OUT OF THEIR WAY to NOT cover my expenses! After giving them hundreds of dollars I had to come out of pocket THOUSANDS after they denied EVERY CLAIM! DO NOT USE THIS COMPANY!

I joined Liberty back in January 2016. My wife and daughter came onto the account later that year or the next. We really appreciated the ability to choose providers and services without the restrictions of traditional insurance.

I am rating with a single star due to an appalling inability to take care of and respond to their members in the last 2 years. My daughter was born a year ago now and at the time we negotiated a discount and paid out if pocket with the expectation that we would receive our reimbursement in a similar time frame to when our son was born and we were reimbursed for that expense (approximately 4 months). It is now a year. I have attempted multiple times to see where things are at but there is no transparency or system to see where things are at. I was originally told that I should receive it within 180 days. I waited patiently and called after waiting the time period. I was then instructed that the 180 days was just an “estimate”. This was not how they framed it initially and was very misleading. At this point I began to loose respect. I have diligently held up my end of the agreement that I pay my monthly share amount with the expectation that I would get help for some of my expenses. We have received nothing in the last year. If there was clear communication with consistency in what was said and then what was done, I would have a very different opinion. This has not been the case. I have had multiple instances where they have been misleading and do not give any information. I can no longer recommend them with any confidence.

My wife and I have been members of Liberty Health Share since 2016. My son had an overnight hospital stay in 2017 for a seizure and they paid $5k+ out of a $7k bill without any problems. We are both physicians and and have recommended Liberty Healthshare to many patients and friends since then. We have not submitted any more claims until this year. My daughter required Emergent hip surgery in January. We submitted the bills in February and March. Only 2 bills were approved for sharing and based on that, the amount of our out of pocket expense is quite a bit higher than the stated member responsibility. We have never received any reimbursement from the 2 bills that were approved for sharing. I have called multiple different times and was told several times that the payments were approved but they had up to 6 months after I submitted them to send me reimbursement. It has been more than 6 months. Last week when I called, the guy told me that he was sending it to the department for older payments. Today, the lady told me that the bills were paid first in first out but couldn’t tell me when they would be paid. At this point, I am concerned that they will never be paid and this is a stalling tactic. I feel like I can’t confidently rely on Liberty Healthshare to assist with medical expenses and can’t in good faith recommend them to my patients.

Let me just say, all of the above reviews are exactly what I have experienced and worse. One thing that was especially concerning is a claim that went on for over a year because it was in my name when the actual patient was my husband. Once that was straight they continued to put it at the end of the line…telling the hospital, “when we get the money in, we will pay the bill” and telling me “it’s in line to be paid but we can’t tell you when”.
I am now facing surgery and the surgeon’s office says they will not accept LHS because they take too long to pay. So after about 4 years with LHS and faithfully paying our premiums without proper payment of our claims, we are having to scope out another alternative. We are small business owners and really need something affordable, but this experience is leading us to go back to traditional insurance even though it is very costly for us. This has been very disappointing. My fear is that LHS is not a financially stable organization and I do not want to stay with them in the event that we have a huge claim, it will not be paid or worse…. that the specialist or hospital we need will deny us because of LHS and their payment history.

It feels like a scam and it will definitely cost you way more than the monthly share price. I have been with them for three years for the obvious reasons of cost. We had first year problems and just chalked it up to learning the process. Year two we had no claims. Year three has been a nightmare of approved procedures not getting paid. I will not be with them at the end of this cycle. The issue is the same each time. They approve a medical procedure then only pay 25% of the billed amount then tell you to go to arbitration process to settle the remaining 75%. Of course this takes months and your bill will then be sent to bill collection agency. The time suck on your life is not worth the money. The program is not honest in its dealings and by no means a Christ worthy program. WWJD.

They were very up front about the 180 day wait time for reimbursements, however, 80% of my bills took over that time period to be reimbursed. I would budget worst case scenario and would plan to get a check in 180 days (6 months). I would then spend hours on the phone on each individual bill after the time period was up. Not only had I not been paid, they would just tell me they don’t know how much longer it would take. The reps were nice, but the whole company seems very disorganized and no one seems to know anything. I would have been fine with the long 180 wait period since I was told that up front, but it gets very frustrating when it goes well beyond that and I’m just told it’s still being worked on. I had/still have bills I’m waiting on that were created over 300 days ago…

In September 2020, they mentioned that the premiums would almost double. I actually was excited about this because they mentioned the $ would be used to quicken the process of reimbursements. I cancelled my account with them in January 2021. It is now September 2021 and I am still waiting on over $5,000 worth of bills to be reimbursed to me. I’m even more embarrassed that I have referred family/friends to this service. We ended up paying more money with a much higher deductible to just get traditional insurance due to the bad experiences we received with over 4 years with Liberty Health Share. I’m not opposed to looking into other health share companies, but I definitely don’t recommend Liberty Health Share.

I have read through many of the other reviews here and believe I have experienced all of the problems mentioned, yet I am still rating LHS as 3*.

My wife’s surgery last year resulted in $700k expenses and 123 different bills. So far LHS has used only $316K to pay $503K of expenses. That shows their ability to reduce expenses and get the most value for healthcare money spent.

The primary issue I have had, and most other people as well, is the length of time it takes to be reimbursed, or for providers to be paid.

This is entirely due to sharepower. They pay money out as fast as it comes in. They do not deliberately withhold payments; they simply cannot make them until there is enough money.

That would be manageable, but their communication with respect to this has avoided the subject almost entirely. I was told it would be six months before I would be reimbursed for two bills, each over $1000, but when six months came and went, was told that was ‘just a goal’. They were eventually paid after about nine months.

They are also silent on the monthly deficit in sharepower. There has been a deficit every month since they started showing data last year, which implies the time to reimburse will get longer, not shorter. This has persisted despite an increase in the monthly share amount, which suggests some members have dropped out and a further increase would drive away even more members.

So my overall experience has been positive, even though there are some quirks in their system they are manageable. But the sharepower and communications issues are serious concerns.

Well here we are..disgruntled, frustrated, emotionally exhausted dealing with Liberty Health Share .
You’ve jumped through the hoops, pleaded, dealt with the customer service agents. heard the promises and still your medical bills go unpaid. Now your in collections with the hospital and the doctors. Your credit score is going down. Sound familiar. If this is you then you need to file a complaint with the Ohio State Attorney General Office. The Better Business Bureau is nothing just informational. You can file a complaint online its quick, easy and effective and I am sure that they would be interested in hearing from you and others like you with regards to your personal experience with LHS.
Health care is expensive but Health Sharing is not for everyone. Do your homework, read the reviews you can see the common theme amongst them.
The rating score is actually .5 because you have to leave at least one star to post a review.

As a cost-conscious consumer, I’ve been incredibly disappointed with Liberty Healthshare. They’ve raised their annual share amounts twice over the last 3 years we’ve been with them. However, their turnaround times have gotten worse over time.

In year one, reimbursements were occurring after about 3-4 months, year two it increased to 4-5 months. Currently, I have expenses over 7 months old that haven’t been reimbursed. When I call in hoping to receive clarity on when these will be reimbursed, they just say “we can’t give you an estimate, we pay out claims on a first-come-first-serve basis.” In other words: they are payout out more than they are bringing in, leading to longer and longer payout times.

There are other healthshare providers out there that are cheaper and with much shorter turnaround (~1 month). I steer everyone I can away from Liberty as it appears they have a solvency issue.

Terrible dishonest organization. I paid for my eye surgery in Nov. 2020 out of pocket and then had another eye surgery in Jan 2021 and Feb 2021 Dr. took the insurance on those two surgery. Today Aug 4 2021 and I have not been reimbursed for Nov. surgery, 2020 and eye surgeon has not been paid for Jan, and Feb. 2021 surgery. I did not want to go for follow up because the doctor was so upset complaining that he has not been paid yet. I am already out $16,000.00 for Nov surgery, and will have to pay this doctor as he will be asking me for collection. We have called and told they would cut a check after 180 days that did not happen. Reading all the reviews, makes me wondering if there is any recourse for all of us. Paying $1000.00 / month for me and my husband without any existing conditions, isn’t cheap.

First time I had medical bills I had to file a complaint with the attorney general to get them paid. Now I’ve been waiting 7 months for medical bills incurred in December of 2020. I’m told they are working on October. Management is completely tone def, they think they are doing good. Run far away.

Liberty is the absolute worst. Sure, you may save money on the monthly premium, but you will more than make up for it with frustration, time and tears when you spent countless hours on the phone with them trying to get them to pay if you do need to see a doctor, or like I did, have an accident. I have talked to so many different reps over the past 3 years and I’m not exaggerating, they all tell you something different. I honestly feel like the whole thing is a scam. These are not godly people, they are liars. If you are looking for health insurance and are considering Liberty, please for your own sake, keep looking.

Used Liberty Health for years paid my monthly premiums faithfully. I needed to get a colonoscopy since I am over 50. I called twice before surgery to confirm that they would share 100%. After surgery LHS did not pay claims so 1 bill went to collections and ruined my credit rating. The other bill I called them twice and we reviewed the bill in detailing (pathology), I was told on two additional occasions that they will share (pay) the $500. So still not paid after 10 months post surgery, I called LHS again and now they said I have to pay.

VERY DISHONEST AND NOT A CHRISTIAN ORGANIZATION.

They won’t even live up to what 4 staff commitment to pay.

NEVER ENROLL… THEY don’t HAVE A problem TAKING MY PREMIUM PAYMENT BUT THEY REFUSE TO PAY MOST EVERYTHING.

The CEO Drudy Abel won’t even respond

Liberty touts being a Christian organization, but their ethics don’t reflect the same. In addition to their unreasonable turn around time for reimbursement of bills (if reimbursement is ever received), it takes numerous calls, duplicate submission of documentation, different stories from different reps, etc to receive reimbursement (again, if ever received).

Look at their finances. They often times payout in a given month more than they take in.

I project it’s a matter of time before they fold completely.

I have joined a different CHRISTIAN healthshare ministry and am very happy.

Terrible. We were members of Liberty for 5+ years. Early on it was ok, but they stopped paying. We were being sent to collections constantly and nobody at Liberty really seemed to care. The only way we ever got anything paid was by calling them constantly and getting things escalated. Even that has not worked now. We cancelled our membership (thank goodness) about 8 months ago and have still been working to get some bills paid they owe us. On principle, I don’t want to let it go. They escalated our claims finally after 6 months to the highest level, but it has still been nearly 3 months sinse then and no money.

My wife and I have been members of Liberty Healthshare since 2017. We have had generally positive interactions with Liberty , particularly earlier on. They had generally paid as expected on most items, however our needs were pretty minimal. Fast forward to September 2020. My wife was admitted to the hospital on two separate occasions for a severe, life threatening issue. As one might expect, there were quite a few bills. To Liberty’s credit, they have paid most of the smaller bills, in a relatively timely fashion, and everything was precisely handled with regard to the AUA (deductible). The issue here is two hospital bills, one for approximately $100,000, and the other for approximately $23,000. Both of these expenses were incurred in September, 2020, and Liberty was billed in the month of October, 2020.

I was advised by Liberty that after 180 days had elapsed, I could have these bills “escalated.” April, 2021 came, the bills were not paid, and I called to have them “escalated.” It is now July 16, 2021. I have called at least once a month subsequent to the “escalation,” but nothing has changed. My last straw arrived today, when I spoke to a representative about these bills. I had told her that I had been advised in the past that I was advised that these bills were “escalated.” she advised that the priority level on her screen indicated that these bills were being handled as any other bill, nothing “escalated.”

I have spent numerous hours on the phone trying to get some movement on this. I am getting nowhere, and we have approximately $123,000 in unpaid hospital bills between these two bills. They are approaching one year in age. I am concerned that the provider will soon look to us directly to make good on these bills, since it appears that Liberty is not going to do so. I religiously make my premium payment monthly, and have done everything else that has been asked of us by Liberty. Bottom line, after almost a year, we still have approximately $123,000 in unpaid hospital bills, and little to no confidence that this will be resolved any time soon.

I have confidence in the health sharing concept, but Liberty’s execution of the concept at this point in time does not inspire any confidence, and once our term is up, we will be looking elsewhere for coverage. If you are exploring health sharing as an alternative, be aware of these realities if you actually have to use the coverage. This has certainly opened my eyes.

All of the reviews with a score of 1.0 accurately reflect my personal experience as well so I will not labor in providing a detailed comment. In short, take the reviews seriously, except those individuals who provided a rating higher than 1.0. Thank God for Medicare for Liberty Healthshare is now history.

This is the first time that I have ever used their system for a claim. What a Joke. I have bills coming out and now being sent to collections due to liberty not paying them in a timely manor. Or at all. Now I have 100’s of thousands dollars worth of medical bills in which a total of $75 are in review that I cannot get a confirmation if they have paid that much. DO NOT USE THEM!

The turn around time for payment is terrible. My wife had surgery about 6 months ago and we put the covered expenses on a credit card and have been paying substantial interest waiting to get reimbursed. I am about to consult my attorney because we called them the other day and they said that they did not know when we would be reimbursed. The only reason why I gave them a single star is because they negotiated the upfront costs down for us.

If I could do 0 stars I would. This company is the absolute worst. If you ever plan on using your benefits plan for it to take a year or longer to get it resolved. My accident was on May 5th, 2020, and I was told that I would be responsible for $1,000 and then everything else would be covered.

Fast forward more than a year and two lawyers later. I had to babysit each medical bill and if they are sent to collections Liberty Health Share does nothing to help. They don’t care about how it impacts my credit or my life. This company is the most un-christlike company I have ever worked with. What they do to people is borderline criminal. If you sign up with them do at your own risk.

Zero stars. This company is a scam. You have to pay for your care and submit for your share reimbursement. After waiting 7 months for a reimbursement check, I cancelled my membership and now it’s been almost a year and numerous 1hr+ calls with customer service and still nothing.

They’ll charge you an enrollment fee even if they decide not to enroll you. If something is pre-existing, but you don’t currently have it “under control” or on some sort of treatment plan, they won’t cover that either. And if you take CBD products within legal requirements under a doctor’s supervision, they won’t cover you either. You know, CBD, a plant, sprouted from the earth, made by their god. They won’t just not cover that treatment, they won’t cover YOU.

Liberty Healthshare has been terrible to work with. We’re still waiting for ~$4k from our son’s birth and he will be turning 2 next month. Their processes are terrible and you won’t save money in the end. Run from this healthshare.

The amount of negative comments since the beginning of this year is very concerning. Illness causes such high anxiety- waiting for coverage uncertainty is unnecessary additional stress. This is not the Christain concept this share group was founded on. I have been a member for several years even promoted this program to many others who joined which is sad now that my family is experiencing these issues of slow payments. I too received “we only share what we take in and we have 180 days to decide if we are going to pay a share- but if it is set for sharing it is sharable, but it is no guarantee of payment” Talking in circles and steadily withdrawing the monthly share amount to go to someone!! Maybe too much of the money taken in is going to management? Seems that the members that will be hurt the most are the very last ones that are left sharing all of the claims that were submitted in the past…. All while current claims will not be met when this club folds. If Liberty is financially stable-Liberty should publish in their membership newsletters the financial solvency of the company – show its members that it is sustainable and not a Ponzi scheme.
Praying that things change and God supplies our medical needs.

After waiting for a minimum of 6 months to process claims, the doctors and hospitals no longer will wait for payments leaving us to pay up front and wait 6 months to a year to be reimbursed, we cancelled the plan. Years of hearing “we are working on streamlining our process” gives the impression they don’t have the funds or the heart to fulfill their mission.

I had surgery in March, and there are bills that aren’t paid yet. I put over $7000 on a credit card assuming I would be reimbursed, but when I called I was told it would be 180 days. Reading other reviews is very concerning. I shared into this ministry for over a year before I went to a doctor. I hope they will do right by me.

I was a member of Liberty Health share for 3 years. At first it was 5 start service. I loved how simple thier plan was. I just the first thousand and they take it from there. No copays, no maximum your of pocket, no denied claims. They paid fast and completely.

Their membership exploded and their systems were overwhelmed requiring upgraded. That’s when they went off the rails. We had a few claims from my wife’s broken wrist that got dropped in the transition causing our account to go into collection. It was at this time also that many people were leaving because is the same thing. I watched negative reviews appear as many other people were experiencing the same thing as we were. Finally after 18 months of trying to get the claim paid, we quit Liberty Health share and switched to trainer insurance. I had to pay off my wife’s $15,000 bills and we moved on. I figured with my savings in premium and co pay, I would have paid the $15k anyway.

4 months after we quit, we received a check from Liberty for $15,000. They kept their word, they honored the debt and I feel very grateful for their integrity.

I am now pay of a company plan with all the restrictions of what doctor, what hospital, what they pay and won’t pay, Co pays, out of pockets hoops. If I am in need of getting my own coverage, I would go back to Liberty. Yes they stumbled, but they made it right when they didn’t have to.

I would recommend avoiding Liberty Healthshare at all costs. We have been members on a family plan for 6 years. Only 2 of those years did we have enough bills for any reimbursement, but I was happy that, especially considering that we rarely go to the doctor, the share amount (aka deductible) was a lot less than the “affordable” care act, which raised our insurance 400% to $1500/month with a $9000 out of pocket deductible *per person per year*, (which is government extortion that is useless as insurance).
Liberty’s share amount was around $450 for the family and allegedly would pay after $1500 out of pocket for the family.
As I mentioned, 4 of the 6 years, we did not need reimbursement as our expenses were under $1500 and that was fine. One year, we went slightly over and the bills were reimbursed within a few months.
This year, we have had out of pocket bills upward of $15,000. Instead of the previous few months, there are now large delays in reimbursing. On some of the large ones, I called and they told me it could take *up to* 180 days, which is much longer than previously. We have received email about the CEO quitting and the big bills are still not paid. One bill is over 7 months out and now instead of “up to” 180 days, they are telling me that “**Our goal** is to have every bill paid within the 180 day timeline” but that that doesn’t always happen and then a lot of defensive language about how I need to wait at leat 30 more days before calling again while another team looks into it and ifit is not resolved after that, I’ll need to have it escalated somewhere else and keep waiting.

Meanwhile, they *promptly* remove my now $675 monthly share from my account every month without having to wait to receive my money. At this point, the trend seems to be saying they are having major financial problems and I wouldn’t be surprised if they go bankrupt and default on the unshared bills.

Our entire purpose here was to have something that we could rely upon in the unlikely chance that a family member needs a kidney or something in the future, but if they can’t reimburse much smaller bills for paying members who have had almost no claims over the years, I am not convinced that they will pay if a catastrophic situation arises.

I would strongly advise anyone to avoid Liberty Healthshare. We are aggressively shopping for alternatives now.

$675/month for a family plan but they do not cover the routine visits for our kids. Took our kids to the Dr once last year for their annual check up and vaccines. Liberty paid about $100 per kid and left us with a bill for over $700 for 1 kid and $400 for the other. Liberty health says that we are responsible for these routine visit costs until our annual unshared amount is covered. We paid over $8k to liberty last year and they only covered $200 on routine visits. It’s a scam.

The idea and intention of Liberty Healthshare is wonderful. The execution has been horrific. We were with Liberty for many years. When I had a baby, the company was switching over their computer system. Somebody at Liberty placed our letter from the doctor that we were expecting a baby in the wrong file. After that, every charge sent to Liberty was denied. We’ve called like 20 times trying to get everything fixed. It’s been sent to reprocessing over and over. Every time we call, it’s the same old story and we have to start all over again. They have to reprocess it. I can never talk to someone who will actually get this taken care of. We were told it would be expedited. Well, it’s been two years now and Liberty still owes us $13,000.00. It’s hopeless to try and call again. We will just have take legal action.

I paid for LIberty Health Share for over 2 years. Originally it was $250/month and no deductible. When I finally had bills to submit they changed had changed the monthly to $450/month and a $6000 deductible. It is as much or more than health insurance! In addition, they let a hospital bill that I submitted –the only medical bill that I submitted –go to collections and it ruined my credit. I don’t recommend Liberty healthshare to anyone. Additionally, its harder to get them to pay for medical expenses then insurance. It had a false sense of coverage… medical insurance is more reliable and honest.

Customer service staff are nice, but they read their responses off a card! It is that it they are trained to say the same thing every time. The staff that actually are supposed to send checks for covered services can’t be spoken too. Literally, I have been told several times that “they don’t take phone calls”.
We have outstanding bills that liberty has approved for payment but as of this review date, no word on when that might happen. The injury took place in late May 2020. Liberty has paid some of the bills but the largest ER bill is not paid nearly a year later.
Some staff have told us to report to BBB but what if they never pay because we reported them?
This is a very stress producing situation. This is not good for the health of members who are trying to get well and the “Christian” organization that claims to help simply fails them.
If I had it to do over, I would never use Liberty Health-share.

Everything seems to go well until you have a medical need that is greater than your annual unshared amount (deductible). Then the bills don’t get paid. We finally just called the medical provider for a self pay discount and paid the bills ourselves.

Liberty is absolutely awful to work with. I had surgery on my foot and I pay my member responsibility immediately and they claim they had 180 days to pay their portion. However, the hospital doesn’t care about Liberty’s guidelines so to avoid going to collections, I have to continue to pay more than my portion in hopes of getting reimbursed from Liberty. We are now past the 180 day mark and when I call Liberty no one seems to help. I wouldn’t recommend to anyone.

I have been a member of this plan for 18 months and have submitted 4 claims totaling under $1000. I have never had such slow paying insurance. I have contacted them multiple times regarding claim status & receive the exact same response informing me that they are nonprofit & have up to 180 days to process payment. Apparently standard procedure must be to not process any payments until the deadline. During my membership my monthly premium increased $100 and limitations have been implemented. At this point I am counting the months until I am Medicare eligible and hoping my reimbursements are eventually processed.

I have found LHS to be, at best, ineptly managed and at worst, flat out deceptive. We have been trying to be reimbursed for a minor surgery for the last 9 months. Monthly calls are met with the same answers, ranging from you didn’t code things properly, didn’t know you wanted this expedited, can’t find your claim, etc. Today’s call got to the bottom of it. A CSR finally admitted that LHS doesn’t have enough money to pay the claims. I always get a free God bless you at the end of the call. Wolves in sheep’s clothing.

I was a member of Liberty Healthshare for a little over two years. While I was young and healthy it was great. When I had a miscarriage and ended up in the hospital they left me saddled with the medical debt and hounded by debt collectors for over one year.

There were several times I thought a friendly customer service rep at Liberty Healthshare had resolved the issue for me, only to find out via letters from my debt collectors that the bill was unpaid and still my responsibility. The debt collectors were more helpful, transparent, and gave me clearer instructions on how to deal with the healthsare than Liberty Healthshare ever did.

PROS
– Online member portal that’s easy to use
– You can access your records after you stop being a member
– Easy to start and stop services
– Friendly customer service reps and good phone service

CONS
– No medical provider I used would submit bills directly to Liberty Healthshare. This made it difficult to get reimbursed. If the medical provider did not send you the bill within Libery Healthshare’s required notification period, then a bill wouldn’t be reimbursed.
– Pre-notification requirements. For many procedures, you needed to pre-notify Liberty Healthshare in order to be reimbursed. This procedure was complicated and never completed correctly.
– There are no clear instructions anywhere about how pre-notification works, how reimbursements work, what the notification windows are, etc.
– Even if a bill is submitted, they won’t send a payment. Still waiting on mine.

Very poor customer service and EXTREMELY long reimbursement times. You will have to pay all your medical expenses with self pay in order to not get turned over to collections, because they will not pay their portion to the provider within the given time frame. We are low income, so we had to pay our expenses with a credit card, which cost us a ton of interest while we waited to get reimbursed. I would not recommend this service to anyone.

I’ve been trying to get Liberty healthshare to pay some bills now for 148 days and they refuse and tell me I have to wait 180 days or in some case 270 days for things to get paid. In the mean time all these bills are being sent to collection agencies. Wow thanks a lot Liberty healthshare. The one one that I would ever refer to use this company is my greatest enemy. Any one else does not deserve all the beating around the Bush. What I peace of garbage company. I really hope they go bankrupt in another year.

We were members of Liberty HealthShare for over 3 years and contributed over $18,000 towards others’ medical expenses. Unfortunately, when we submitted our first eligible medical expenses associated with a screening I received in October of 2019 we were given a myriad of reasons why we couldn’t be reimbursed. After medical invoices were corrected with all of the proper codes and resubmitted a couple of months later I figured that we would be reimbursed in a reasonable amount of time. I was told during a call to customer service that our medical expenses wouldn’t be reimbursed until 6 months from the date of the original request for reimbursement. Currently, we’re at 17 months and still no reimbursement. We finally realized that our claim had no hope of being reimbursed, so we wrote a letter to Liberty to officially cancel our plan. Nevertheless, we continued to receive calls for several months asking us to pay our monthly share amount. Liberty HealthShare is extremely mismanaged and seems to only be in this business for one thing…your money!

6 year member. In 2020 I was very sick and son was in a bad accident.
-ALL BILLS WERE PAID LATE!
-17 bills were sent to collections.
-12 different collection agencies contacting me at work and anywhere else. -80 phone calls the doctors offices, Liberty Heath Share, collection agencies,
and anyone else that could help resolve the bills or buy time for my
family.
-120 hours of time spent organizing and collecting paperwork for Liberty,
just to “validate” the bills.
-Another 100 hours on phone calls talking, explaining, pleading, and sometimes begging for Liberty to act more expeditious and caring than their 180 day payment window (From the day they are happy with the paperwork you have collected and submitted they will wait a minimum of 180 days – 6 months before they even start the payment process, regardless of when the procedure/visit was). –
-Then after the 180 days, I had to call to have them “expidite” the bill to get it paid… another 5 bills sent to collections, because they still hadn’t paid after their self-imposed 180 days had passed.

Did fuss enough to get sent to a supervisor over a bill with a doctor that I was still seeing after a “pre-approved” surgery… No results just worthless apologies. I don’t pay my premium on time every month for six years for apologies and dragging results, you want your money on time – so do my Doctors!

Signed up for open enrollment for traditional insurance this past month. I just can’t take the stress anymore… I try to be as patient and Christ-minded in my interactions with everyone, but this organization is so horribly frustrating that I don’t like the person I become when having to deal with the complete lack of empathy and corporate disorganization that Liberty chooses to treat their members to.

DON’T EVEN CONSIDER LIBERTY UNLESS YOU HAVE TIME FOR AN EXTRA PART TIME JOB, IMMUNITY FROM EVERY DISEASE OR MALADY, AND ENDLESS PATIENCE.

Liberty Healthshare: Experience & Opinion:
For $499 per month you get … NOTHING from Liberty Healthshare. That is what I found out (as have countless others). For months they told me they would “share” (reimbuse me for) my two medical bills from July, 2020. As the months rolled by, they claimed it can take 6 months to be reimbursed. As 6 months neared, they claimed that the reimbursement can be “escalated” for quicker payment after 6 months. The “escalation” is (I found out) just the Member Resolution department telling you that payment is made based on soley when the expense is submitted. I don’t know what their payment criteria is, but for my two expenses, they did send a check for the very small expense to the wrong individual 45 days ago (so I’ve still never seen a dime). But the larger expense from the same date has no payment action taken. They cannot rush payment nor can they tell you if you’ll ever be reimbursed before you die.
They are experts at stringing people along to try and collect member dues. If you point out their dishonest statements, they will try and steer the conversation towards the idea that the Members are doing God’s work by helping others with the sharing of medical expenses. At this point I believe that the world would be in a better place if the people that run Liberty Healthshare were in prison.

My husband and I have been members of Liberty Healthshare for several years and I really feel it is the best deal around. For $499 a month, we only pay the first $1750 of our medical expenses each year and Liberty shares the rest (with limits, but we have never had a problem with them paying our bills). You do have to keep an eye on your bills as Liberty takes up to 180 days to pay. I have permission to post the phone number for the most helpful person at Liberty. Her name is Caroline and she will gladly help with any bills that are past 180 days and often gets things done within a week for me. Her number is (330) 730-2683.

I just barely canceled my liberty account. I was with them for 5+ years. Initially, we loved them and recommended them to friends. The last couple of years were a joke. They raised their rates, stoped reimbursing us, and have terrible customer service. Initially, I wouldn’t hesitate to pay out of pocket, because they would reimburse us fairly quickly. Towards the end, we were getting sent to collections over bills that liberty was responsible for multiple times. In order to try to get anything moving at all, it required phone calls and sitting on hold. We canceled with them owing us a lot of money that we basically never expect to see. I don’t know what is going on internally, but this company has fallen apart from what it used to be.

I wish I could give them a good review but I cannot. I was with them for five or six years and wish I had never heard of them. At first everything was fairly good, until I was diagnosed with stage 3 colon cancer. My bills for surgery, chemo, etc began to pile up. The time Liberty takes to pay medical bills is terrible. (if they pay them at all) I now have over $20,000.00 sent to collections with more on the way, I’m sure. This after I managed to negotiate with the collections company and paid off over $100,000.00.
Fighting with Liberty throughout my ordeal added another layer of stress and anxiety over an already super stressful time.
I am no longer a member, but still fighting to get my bills paid.

These people are nothing but thieves. They take your money every month but do NOT pay for the members valid medical expenses.

I waited over 18 months for them to pay a valid $1,200 medical expense & eventually ended up paying it myself to keep my credit from being ruined. Month after month of dealing with collectors & having our credit score go down because Liberty Health Share wouldn’t pay what they owed.

To make matters worse, they robbed me of $675 in “member fees” AFTER I requested cancellation! I sent written request to LHS as instructed by their staff & even called before they charged me to verify. As a second precaution I also put a stop payment for Liberty Health Share on my credit card. But Liberty Health Share as a “Christian” ministry, had the audacity to use a different merchant code to STEAL hard earned money from me in the middle of the coronavirus epidemic at that!

If you are still having thoughts of using them, DON’T! Just look at their financials; that is convincing enough. They literally have millions of medical expenses due to their members that they do not have the funds to pay! How are they still allowed to get away with this scam???

This outfit should be illegal! Furthermore, as a “Christian” ministry, they should be ashamed of themselves.

I have been with liberty healthshare for almost 3 years. All I can say that this company does not represent the Christian Healthcare industry well. There are a lot of hurdles to jump through just to sign up. Even after making your obligations to be accepted to the program, the obligations are not mutual. I might as well have paid everything out of pocket. I would have saved my family a lot of stress.

Reimbursements or medical sharing took so long that my accounts would be sent to collections. Then, if I paid them, I would be waiting months to be reimbursed for shared expenses.

To top it off, after cancelling my account, I am being contacted by the company that I am delinquent on payments. So communication is subpar.

The business model of Liberty is very broken. My confidence in the health sharing and health insurance scheme have taken my confidence into a nose dive.

I was a member for a year, during which Liberty paid for very little. When I tried to find new doctors in my current city, after moving here the year before, I discovered that not one single doctor or medical practice would accept Liberty. Most that I contacted in a nearby larger city would not either. An insurance specialist at the largest practice in town finally told me that no one accepts Liberty Healthshare because they don’t pay their bills. Every month Liberty put out a newsletter hemming and hawing about changes to policies (always making it harder to make claims or further limiting coverage), and then in October they raised my rate by nearly 50%. I was finally able to get Affordable Care Act (Obamacare) REAL insurance…for less than what Liberty was charging for a lack of coverage. BUYER BEWARE!

Have been a member since 2015. Liberty is the best alternative to a main stream health care insurance. Main Stream health care Insurance is broken in the US. The ACA is a bad product and very expensive. my wife and I have no issues using a health sharing community. Yes the billing has been slow the last 12 months but Liberty is working on the issue. But if you go and read reviews of Main stream health care Insurance review you will see no one has done well with claims in the last two years. I do spend extra time calling billing of vendor providers but have no issues with getting more time for the bill to get paid.

Everything you have read in the reviews is correct. THey are slow to pay if they pay. LHS pays the medical bill based on Medicare rates.
You and I are not entitled to Medicare rates because we are not Medicare customers. If we were we would not need for LHS…
For example a $4,000 medical bill LHS will pay just over $400 and this is paid up to and beyond 180 days. Thats 6 months to the rest of the world. Now try and negotiate the balance with the hospital for $3600 and 6 months later.
You can do self pay and receive up to 40% discount with some providers and then submit the bill to LHS for reimbursement. You will receive the Medicare amount that they would have paid and still wait 180 days plus red tape and paper work.
This way your credit won’t be at risk because if you wait for LHS you will be in collections.
Now if you have a major medical issue your screwed. Slow Slow bills piling up, no payments coming, low payments etc etc
But they will ” Prayer for You” but not your bills
Had to give one star because they made me or would not post the review
Run away its just not worth it. Its horrible, No really its an awful company
Look at the star rating overall average is 1.6 you would not purchase anything online from a vendor with this low of rating least of all your family’s health care.
Learn from our mistake it will save you thousands

Liberty HealthShare recently hired “Fat Cats” to operate their business and fees suddenly doubled. At 500 per month, I can afford real insurance at United Healthcare and receive much better service than to wait 9 months for a reimbursement.
In my opinion, Liberty HealthShare is gone and now they are nothing more than a marketing company to designed to help the “fat cats” first.

I’d like to finish off by saying my colonoscopy was never covered and they do cover this procedure every year – I was refunded close to $200. and I still haven’t seen the check. It’s by almost 12 months. I’m pretty sure they will post a very convincing reason why they won’t pay – isn’t that what they are trained to do? Never made a claim in the 5 or 6 years I was with them.

Worst experience I’ve ever had with healthcare. My 3 year old daughter had a major infection requiring multiple surgeries, imaging, anesthesia, and hospital stays. The doctors did not know why the infection occurred and then the abnormal blood work that followed. There was a lot of testing that followed and we still are not 100% sure what is going on and we are not out of the woods with the medical bills. The amount of money that is currently owed to a variety of doctors is in the ballpark of $50,000 and believe it or not, I don’t have that amount of money just sitting around. I pay my monthly sharing portion to Liberty Healthshare every month on time and have for 3 years. I just received a letter in the mail from a collections agency that my medical bills are still unpaid by Liberty Healthshare and my credit will be affected if they are not paid. I called Liberty Healthshare asking them what their plan is for members in my situation. She said you just have to keep waiting. Potentially for many more months. Well, the provider is not keen to wait for many more months. So who gets penalized for Liberty’s slow payment (if they pay at all)? It’s not Liberty. It’s me. And they don’t care. “We just have to wait until the computer algorithm decides that it’s time to pay for your bills” is what the lady told me. Well, how the hell are we supposed to know when the “computer” will decide it’s my turn! Then she tells me “if it goes past the 180 days for payment, then we can escalate it”. So, what you’re saying is there’s a potential that the magical “computer algorithm” doesn’t choose my medical bills in the giant 180 day window and this drags on even longer??

Yes, you will save money on your monthly premium by choosing Liberty Healthshare. And if you never have major medical bills, it’s a great plan. But as soon as you actually need major bills to be paid, it’s crickets on their end. Do yourself a favor and don’t use Liberty Healthshare.

Been a member for approximately 5 years at $150 per month to start with in the Liberty Complete shared expense. This is the biggest con to Christians, after the deductible(AUA) is met, which they decide the amount applied, on a recent bill of $600 submitted that only $175 is applied to the AUA. At this rate, I will have to spend at least 10k before I can request fellow Christians help with medical expenses !!! That is if those at the top allow it. I pay $399.00 per month and get no relief from this so-called Christians helping Christians company !!!! Where is my $4,788 per year going ???

Liberty is under no obligation to pay medical bills. Liberty does not pay medical bills. Liberty will not pay for your medical bills. This is a scam.

I spoke with the department of insurance in my state and was informed that liberty is not a licenses insurance company, and therefore is not required to abide by insurance law.

This is copy pasted from https://libertyhealthshare.org/legal-notices

Notice: The organization coordinating the sharing of medical expenses is not an insurance company, and neither its guidelines nor plan of operation is an insurance policy. Whether anyone chooses to assist you with your medical bills will be totally voluntary because no other participant will be compelled by law to contribute toward your medical bills. Participation in the organization or a subscription to any of its documents should never be considered to be insurance. Regardless of whether you receive a payment for medical expenses or whether this organization continues to operate, you are always personally responsible for the payment of your own medical bills.

any 5 star review is a paid review. Liberty Healthshare is not real insurance, nor will they pay for any of your medical expenses. if you look at their legal notices one of the things they have written is that any medical expenses submitted to them are paid for on a voluntary basis only, and they volunteer to pay ZERO expenses.

scam

My husband and I have been with Liberty HealthShare since 2016. We are huge fans of the heathshare concept, sharing health costs, which in return gives members a much better price point then traditional insurance, win, win!! Our early experience with Liberty was very positive. I would submit my bill and we were reimbursed within at least 3 months. A little over a year into our time with Liberty we did have some larger bills that we submitted and we began to have difficulties getting reimbursed so I understand the frustration expressed in many complaints. My husband and I did begin to doubt that we would be refunded for these bills. We experienced many of the same issues with long wait time on phone calls, inconsistent information on each call, loss of information submitted and it went on and on…..
The facts are is that Liberty HealthShare grew so quickly that a perfect storm was created and things went very wrong. Caroline (330) 730-2683, took the time to explain this to us and her team got all of our issues resolved that had happened over this growth nightmare they were having.
Liberty has now worked out many of these growth issues and things are back to normal. I submit my bills and I now actually get reimbursed more quickly then in the beginning.
This is a good company that had to get through a bad time and they are now through it and ready to provide great service for all their members!!
We are so happy to have this wonderful alternative to very expensive health insurance!! Thank you Liberty!!

Very frustrating to deal with. Keeping track of this and trying to get reimbursement is like having a part-time job. Whenever I go to a doctor or other facility (MRI place example), I say the magic words, “I’m self-pay.” My bill is immediately discounted. Usually 40%. I pay it then submit to Liberty Health Shares for reimbursement. You must submit BOTH CPT and ICD codes and trying to get both from your providers is excruciatingly frustrating and not always successful.

They say that you may have to wait up to 180 days. I ALWAYS had to wait that long and also beyond that. When I called to see what was up, they said, “I’ll forward that to Member resolution.” When I asked how long that would take, they said they didn’t know. Then I would call back the next day and they would say that it hadn’t gone to Member Resolution. I had many problems over the time I had LHS and most times, the representative I spoke to had a different answer than the representative I had spoken to before. It’s a mess.

I spent hours and hours chasing down my reimbursements. I finally got so frustrated that I’m going to get insurance through the ACA. It’s going to cost me $2000 more per year, but I just can’t take it anymore. LHS has worn me out and it’ll be worth the extra money.

I wish zero were an option. I had a needle breast biopsy that Liberty pre-authorized. They took so long to pay their share that it is now in collections and I am not welcome to get mammograms at
my healthcare provider. I begged, pleaded and called Liberty monthly as the letters about payment got more and more threatening and hostile. All you get with them is a run around. The money you save is ABSOLUTELY not worth it. I lived in terror of a major medical event. Don’t do it!!

AVOID AT ALL COSTS!!! Will not pay ANY of my major maternity bills that I am perfectly eligible for- met their AUA (max out of pocket) and 9 months later the hospital has not receved a dime and is sending me to collections now for over $30,000. 1000% DO NOT RECOMMEND THEM!!! DO NOT USE!!!!

Do NOT sign up for this Liberty Healthshare unless you have lots and lots of time to spend following up and you don’t mind receiving embarrassing collection notices from your provider.
If you have integrity you will likely be paying off the “insured” balances long before this organization pays anything.
They have no follow through with providers. You file EVERYTHING yourself, multiple times in my case.
I had a bill that was unpaid 1 FULL YEAR after service. I finally paid it myself out of embarrassment.
NOT RECOMMENDED!!!

Very Disappointed in the sudden increase of premiums or “share amount” of over 60% monthly, hidden literature on cancelation and continuation of charges after cancelation and speaking with representatives. There are several companies out there and Liberty looks good at face value, however I would advise to look elsewhere and research other companies.

I have submitted multiple claims to liberty health and every time I get what is asked, they say it is still denied because they need some thing new. This has been a huge nightmare on top of all the medical issues we have had. No one should need to be stressed in an already difficult time. I will not be renewing my membership this year.

After extensively reviewing their website, I called to become a member. During the registration process I learned that they were not being transparent and there were significant additional monthly fees based upon non-disclosed height and weight guidelines. The increase was dramatic. I therefore declined to continue with my registration.

I renew my contract with my employer every 6 months. As a independent contractor I am not entitled to health benefits. Even the least expensive traditional health insurance with a sky high deductible is more than I can afford. Liberty HealthShare provides me with peace of mind should I have any major medical emergency. It is a safety net for me. I have seen changes in the organization over the past few years and I believe they are on the right path. I too have experienced reimbursement delays, I trust the wait times for payment are improving.

My wife retired as a career school teacher. I am a self employed contractor and was covered under my wife’s plan from the school district. It wasn’t the cheapest and pretty high deductible. After her retirement we had the option of continuing with her plan from the district but at a new premium and deductible. $1,500.00/month for the two of us and $6,000 deductible. $24,000/year before we get a dime out of it. We looked for an alternative and chose Liberty Health Share. We started at $349/month with $1500 combined deductible. We are now at about $499/month and $1750 deductible for the best plan they offer for a couple. Obviously this is a huge savings compared to our option from the school district. We have had many doctor visits, one emergency visit, annual and preventative visits, colonoscopies and I have had rotator cuff surgery and therapy. At first our experience was slow and a little messed up. I spoke with people at Liberty Health Share about my concerns and they assured me it would be taken care of. They were up front with me and explained that they simply grew too fast and were struggling to deal with the fast growth. Being a business man myself, I understand this and gave them some time to resolve the issues, which they did. I can certainly understand, with a great deal like this how they could experience great growth and the difficulties that follow. My fear was that this option wouldn’t be available if they didn’t work through it. I simply didn’t find a deal like this out there and wanted to keep the one I had with Liberty. The good news is that they were true to their word, have worked through their growing pains and now things are processed very quickly and my wife and I are very happy we hung in their with them. We have always been reimbursed for any bill we should have been. I highly recommend Liberty to my friends and family. We love the sharing ministry aspect, it’s a beautiful concept. Not sure why our government can’t figure this one out. Liberty has proven that there truly is an affordable option to health care. My siblings have it and so do my children. GREAT option for single kids starting out in life. They really can afford great coverage!! We love it!!

I’m a critical care nurse – please rethink paying for liberty healthcare “insurance”

I’m not going to leave a lengthy review of exactly what happened but just know they have been absolutely dreadful to deal with and I never got the payment I needed before it went to collections. Still paying medical debt.

Do not become a member. They are not a “ministry”

I will actively be looking for another health care company. The rates were raised $100 this month, although I thought it said it would be a $50 increase in a letter I received.

Liberty Health Share consistently pays bills at least 6 months late, and at least one of my bills was lost and I was going into collection because they didn’t pay it. I had to follow up, then they saw that it had NOT been submitted for approval ‍♀️. I had to call the Lab every month to get an extension so It wouldn’t go into final collection on my credit report!
I received a letter in December saying that they know they have issues and are under new management.
Bills still take a long while to get paid.

It was a decent alternative to emergency healthcare a few years back but their pricing today is so close to exchange healthcare options that it’s just not worth it anymore. I was a member for more than 5 years and, sadly, cancelled as it stop being a reasonable alternative.

“Premium” increase with no increase in value or coverage. Reimbursement times are embarrassingly slow and when balanced bills occur, it is near impossible to get them resolved prior to being sent to collections.

They looked to be forming a partnership with Healthcare Bluebook, but it seems like we can’t access all of the benefits that they offer. I’ll be switching at the start of the new year.

I feel it in my heart to share and show people this business is a scam and taking your money and not helping others with their bills. It took me two years of my hard earned money to be put into someone else paycheck to fully understand they were not there for me. Shame on them for considering themselves as Christians helping Christians. SHAME on you Liberty Health Share. SHAME ON YOU!

We are all here because our traditional health plans were just to expensive. In fact my premium was more than my mortgage payment.
We were drawn in by the low cost “affordable premium” only to find that there was a lot of surprises hidden in that box of Cracker Jacks.
Here is the problem with LHS as I see it:
1. Extremely slow payment to providers and or reimbursement to member.
2. Payment amount to provider is way way way low compared to the bill and because it has taken them up to 6 months to pay, the provider is not in the mood to discount your bill.
3. The LHS amount paid or reimbursed is based on what the charge would be for a Medicare patient. Awake and arise we are not medicare patients nor are we entitled to receive the Medicare price as I was told by a provider if your were you would have medicare.
Now in defense of LHS
You get what you pay for: Nothing
I admit that their premium is way low in fact its so low that can’t pay your bills
I am paying bills from 2019 because LHS slow paid or no paid them.
Remember THIS IS NOT HEALTH INSURANCE its cost sharing you have no recourse the burden is on you it Sucks
The one start rating is only because you have to leave on star the true rating for LHS overall is half a star
All the reviews I have read I have also experienced its all True
Avoid Avoid Avoid
Liberty shares about 20 to 30 percent of the medical bill so 70 to 80 percent of the balance is your problem to work out with the provider. Now they do have a balance bill team that will call the provider but that takes another month, Wait your in collections and your credit is well……
But don’t worry because they will Pray for You
Faith without works……
Good Luck to all of you I wish you well
Health coverage is expensive

Absolutely NO customer service! They do not pay claims in a timely manner. I now have more than SIX COLLECTION AGENCIES calling me! Claims are more than a year old! They do not return phone calls. They do not reply to emails. At this point I feel that I have no alternative but to get an attorney involved. NO AMOUNT OF SAVINGS IS WORTH THE TROUBLE AND STRESS THAT LIBERTY HEALTHSHARE WILL PUT YOU THROUGH. They don’t deserve even one star!

We love Liberty Health Share and are so grateful to the members and the staff. My husband was dx with Prostate cancer several years ago. His doctor followed his progress and in the spring 2019 decided he needed Proton Therapy. UF Proton Therapy was our choice but they did not accept Liberty Health Share. So, Lisa Ward and Rosie at UF reached out to Susan at Liberty and within 1 week David’s therapy was prepaid. It was around $150,000. We were floored. He is now cancer free. Although Liberty had a rough season, they are working hard to turn things around and we believe they are an organization of integrity and that they care. Thank you again to Liberty and the members. We couldn’t have done it without you. A great person to contact is Caroline. Her phone number is: 330-730-2683 She and her team help get results. David and Sandra Stanford, Titusville, FL. Members since 2015

I have been a member for 2 years. Had a procedure in Nov 2019. Had it preapproved. Turn in bills within two weeks and they were approved. Now 10 months later, still waiting for them to be shared. Seem more like a Ponzi scheme than a health sharing organization.

Impossibly slow and difficult reimbursements on routine annual physicals, related bloodwork and flu shots which are all supposed to be covered outside of the annual deductible amount. I have waited from between 6 months to going on 2 years now for reimbursement for blood work for an annual physical done in October 2018.

I was told today in September 2020 that bloodwork submitted in October with invoice details in December 2018 and followed up on by telephone at least 10 times since (this, and several other cases, were “escalated” for payment with the last time being in June 2020) instead of being reimbursed was incorrectly applied to my annual deductible amount. The customer service reps, who consistently make it time-consuming and difficult to follow up on dated charges by asking for a lot of detailed information, allege they are unable to talk with the mysterious “processing center” people, that seem to be totally unaccountable for lack of response, unreasonably long delays and incorrect processing on payments – including of this nearly 2 year old annual physical-related charge. I suspect, especially after this review, I will now never be reimbursed.

Further, I was only able to convince my previous primary care office near Denver to work with LHS because I was a long-time customer of theirs. After moving to the also large metro Fort Collins/Loveland area, I was unable, even working with LHS staff, to find any healthcare providers that would accept and work with / bill LHS directly. So the impossibly long and difficult reimbursement process would never end – and I shuddered to think of what the out-of-pocket costs and reimbursements periods would be with serious medical expenses. The ongoing problems forced me to move to a major, more expensive health insurance company that local offices will work with.

LHS customer service reps all sound nice and apologetic about the incessant delays, but they are incompetent and ever full of excuses for the delays and outright withholding reimbursements. I asked of several reps along the way if LHS was solvent, and still wonder about that. The cheap cost model may sound good, but is horrible in reality! DO NOT make the aggravating mistake of using LHS!

When I first joined 5 years ago things were managed better.
I almost never incur any medical expenses and what I do is, incurred with my yearly physical. The majority of that is NOT reimbursed. I’m told over and over again via customer service it’s been reimbursed, but that is UNTRUE. This is trashing my credit because I’m told erroneously these bills have been repriced and paid and with the exception of the doctor’s bill, not one cent has been paid. I am also paying a large portion of the doctor’s bill for my physical. Labs, mammograms, are Supposed to be repriced and paid, and I am told such but this is completely untrue. Now Liberty is going up dramatically in price and I don’t know that I want to stay with liberty since In addition to the premium almost doubling I am sure to incur wellness procedures like mammograms and a colonoscopy which will not be reimbursed whatsoever. They’re supposed to have a special team which works on problems like this,but nothing ever comes of it. If I want to repair my credit I have to repay thousands of dollars of preventative medical bills that were supposed to be paid according to liberty. I’m Concerned what would happen if I really did incur a serious illness. I’m sure that I would be responsible for if not the entire bill, very close to it. I’m wondering if this is indeed a scam at this point.

Complete scam. Save yourself money and the frustration. I had them for a year and a half, maybe 2 years. They approved a small surgery to remove a cyst On my hand and told me my portion would be $502, which was what was left on my “unshared amount” (deductible), which I gladly paid. Then they shorted the doctor’s invoice by over $2200. The doctor then billed me. When I talked to Liberty about it, Every time they said they would pay it, which turned out to be another lie. For 14 months they lied, until the bill went to collections. So obviously I cancelled with them, and…….this is the best part……they had the audacity to call and say I didn’t give them enough notice for the cancellation and I owe them 1 more month’s premium!! Fortunately I had a feeling they’d try something shady like that and I had cancelled the credit card they were auto billing. What a joke. Steer clear.

I have been with liberty healthshare for 3+ years. This year I had to cancel. They have raised their rates so high, we could no longer afford. Could be from the epidemic virus? All in all, they have been amazing. I just wished they would not raise the rates to those who didn’t claim as much. We are all very healthy, exercise, vegetarians family and to have our rates raise every year? last years wasn’t so bad, but this year it went up 200+$ more a month. last year it was less than 78$ . go figure..

i’ve had LHS for over 3 years now. They have been wonderful. They have taken care of all of our needs and have been incredibly kind as my wife and i have gone through some horrific times in our lives. LHS has been there with phone calls to care about our emotional and spiritual well being as well as covering us financially.

We would be in so much trouble and heartache without Liberty health share.

I have been a member for about 3 years and to this day have received only two small reimbursements back for mammograms. I have submitted several bills and am still waiting to be reimbursed for an expense that I submitted in December 2019. I too have made numerous calls and was told you have to wait 180 days, I am well past that and still nothing. I can’t imagine having a serious illness and depending on this company. Hopefully, I can hang on until I get medicare next year. I am very disappointed in this company. Buyer Beware!

I have been a Liberty Healthshare member for 3 years now. The company has increasingly delayed their payment times – when we signed up, they paid most things within 90 days. Even before COVID hit, that had stretched to 180 days. Since COVID, it’s upwards of 9 months before bills are paid, even when you follow their instructions to the letter. Now they are raising their rates and our monthly cost would increase from $500 to $675 per month. Before signing up with Liberty ask yourself this: Can you afford to pay all your medical bills and then wait almost a year to get reimbursed? If not, keep shopping.

We had been Liberty Healthshare members for 5 years. The monthly share amount was inexpensive for our family and so we felt a need to stay. But dealing with Liberty was a horrible experience. Mistakes on bills were a continuous problem, often leading to 2-5 phone calls per bill before it was corrected. Bills were always paid late, usually 8-12 months late. Our pediatrician refused to work with Liberty anymore and made us pay out of pocket. We faced regular threats of collections from providers for unpaid bills and spent hours and hours on the phone making calls to correct problems. Yet, we stayed in part because there was talk of correcting the problems. That never amounted to any changes in our experience. After they recently raised monthly share amounts by 35% at one time, we left. I would stay far, far away.

Can I leave a 0? I would if I could. I find it interesting that the article says 30-60 average on reimbursement. Their actual policy is 180 days. That’s 6 months. I am owed close to $15k right now and I’m at 170 days. They said to “give them a call” if I don’t have a check by the 180 day mark. Customer service is awful, TeleHealth (virtual) is a huge joke. There are other companies with much better offerings.

I have liberty health share and have for several years. Last year November 2019 I had a colonoscopy which is totally covered. As of this date 9/7/2020 they had still not paid $649 Anesthesia bill. I have called 4 times, finally spoke to a manager who promised it would be sent out immediately. 2 months later I get another bill from the Anesthesia place! I just can’t believe it!!! I’m ready to find a new company. I have been pretty pleased but this innocent just have crossed the line for a Christian Company to act this way. They covered everything else and the manager agreed that this should be covered and that a mistake was made and it would be paid. I will be calling again tomorrow to speak with the managers supervisor. As far as I’m concerned, someone butt should be in a sling.

Penny

We switched to Liberty Health Share in 2017 because our Anthem Blue Cross premiums where impossibly expensive, they kept going up every year as the benefits when down and the deductibles were super high as well. We felt ripped off so we took a chance with this concept.

I feel this is a very good option, the cost is minimal compared to all other medical insurance companies. We do have to be on top of our medical expenses and follow the guidelines which I find to be extremely fair. They deliver on their promise and they really believe in their mission.

Last year they had some growing pains as they grew from approximately 80,000 members to approximately 300,000 members. They had to install new technology in order to function and the transition wasn’t easy which unfortunately had a big effect on the processing of claims and people were frustrated. However the learning curve is over and now they’ve been catching up.

If you need help with something please do contact Caroline! She truly is a miracle worker and will handle your case immediately. You can email her or text her at CarolineT@libertyhealthshare.org or (330) 730-2683
She just help me with an issue and her team resolved it within a couple of days.

I have saved literally tens of thousands of dollars every year in medical insurance and medical expenses, an average of $30,000 – $45,000 by becoming a member of Liberty Health Share.

I wish them well so that we can all continue to benefit from each other’s support.

Words cannot express how unprofessional this company conducts business. They are unethical! They do not pay your bills. Your medical bills will be turned over to collections before it gets paid. My wife has been on the phone with them constantly and they give you such a run around words can’t describe it. It’s not like our bills were high. Liberty was suppose to cover like 1,400 $. The representative told my wife they prefer it to go to collections so they can negotiate a lower price. It’s just so twisted it’s hard to explain. Do not repeat do not go with this company.

Worst Health Insurance decision we made. Members for one month and had to fight them to approve our visit was an emergency. Following that we had to pay a bill to get scheduled for another visit to our doctor because they would not pay it initially. They committed to reimburse us for our bill in writing per an email saying they would send a check for reimbursement for the bill that we paid, that we never should have. They said it could take 90 days to receive the check. At 90 days we called and they said they were sorry we were misinformed by their employee and they said they will not write a check to us. We shared how they sent an email of confirmation saying we would receive a check, but they continued to say it is agains their guidelines even though their employee was approved to send us an email saying we were going to be receive a check for reimbursement.
All this being said do not fall for the monthly savings and go to a health share plan. Stick with the big companies because they do not challenge or try to hide when it comes to making payments for you and your family

We’ve been members for a few years. No major medical expenses, just regular dr visits. In May, I went to the ER with possible COVID symptoms. The hospital charged me $7,000 to be checked. They tried to submit the bill but couldn’t. When I received the bill personally, I submitted it to Liberty for payment. 3 months later, I begin getting agressive “pay now” letters. I contacted Liberty, who advised me they would be paying me directly on the bill. I also asked if they had negotiated a lower charge with the provider but was told they do not negotiate any member submitted expenses, though it wasn’t my fault the facility couldn’t submit. Almost 2 more months go by and now bill collectors are contacting me. I also receive a large rate increase letter. I call Liberty again, and am told they have a hard rule whereby they wait 180 days (6 months) to reimburse bills. What? And, that’s why they are raising the rates to lower the time down. From my perspective, Liberty has failed the only time I actually needed them. I’m hopeful my bill may get paid before the end of the year. I’m shopping for another plan.

We have been with lLiberty Health Shares for 4 years now. We always pay our monthly shares to Liberty, each mont, on time, never missing a payment to them.
We have never filed a claim with liberty Health Share until 2019. In 2019, we went to the hospital. We paid for our medical bills out of pocket, at the time of service in order to receive a discounted price, thinking we were doing such a great thing for Liberty Health Shares by saving them money on the medical bills. We have now been waiting OVERvONE YEAR to be reimbursed for our claims. I call every month for updates and each time I hear another excuse. I would never ever ever ever recommend Liberty Health Shares to anyone. EVER.

If I could leave a negative score, I would. I was with Liberty for 2 years. During that time, I am very lucky to not have had a major medical event. Read what everyone in this string has said. It’s all true based on my experience. Recently, I finally received one of my last reimbursements from Liberty that was submitted to them over a year ago. I still have several medical bills that they have not reimbursed me for from 2018 and some from early 2019. I learned very early on that you need to pay your medical bills out of pocket and then get reimbursed. Otherwise, your bills go unpaid, and you get sent to collections. Also, they will “reprice” a bill and reimburse you only a portion of what you actually paid. Stay away from them, and purchase a real and more expensive policy. Luckily, I was able to obtain REAL medical insurance last year and left Liberty.

I am quite surprised about the bad reviews that I have been reading about Liberty. Although I am not happy about the current increase in rates, I will stick with these folks for now, as they have done right by me.

I have been with Liberty Health Share for approx 2 1/2 years. About 4 months after signing up, I was diagnosed with breast cancer. Scary to say the least. Had many tests and then surgery, and 100% was covered and paid for by Liberty (and pretty quickly too), less my deductible. Trust me, it was worth the $1,000 deductible to have the rest covered (about $25K). I am self employed, and will hopefully retire in 2 years (turn 65), but I think I’ll stick with these folks until I qualify for Medicare. They have done right by me.

I know they put in a new computer system last year, and it slowed things down a bunch, but my bills are still getting paid. Sometimes it takes a call or two, but so what. I can mange a call here or there. Nothing is perfect in this world!

We have been members of Liberty Health Share since March 2020 and we just received notice that as of October 1, 2020 our rate will increase $146.00 more. That is a 27.5% increase. We are all healthy individuals and have not even used the sharing plan as of yet. Great time to raise the rates when our country is going through an economic crisis!!!

We have been members of Liberty Health Share since March 2020 and we just received notice that as of October 1, 2020 our rate will increase $146.00 more. That is a 27.5% increase. We are all healthy individuals and have not even used the sharing plan as of yet. Ridiculous!

We have been members of Liberty Health Share since March 2020 and we just received notice that as of October 1, 2020 our rate will increase $146.00 more. That is a 27.5% increase. We are all healthy individuals and have not even used the sharing plan as of yet. Ridiculous! Great time to increase rates!!!

Horrible! If it was possible to give them zero stars I would.

I had an emergency in February and it is August and most bills have not been paid and i am getting turned into collections. Now they have increased our rate 50%!!!!!!! Do they really think people will stand for that? Right in the middle of the year so you can’t switch until January but watch how many bail out at that time.

You’ve shopped online so you know how important customer reviews are, well this is no different. This company has an average rating ( overall average rating) of 1.5 stars. If you were online shopping would you purchase from this seller. Now keep in mind that this is for your health care .
The reviews are all accurate, true, true, true
You will go to collections before your medical bill is paid. Period
If you are comfortable with what LHS participants have told you then go ahead and join LHS knowing that the customer service is a JOKE
Caveat Emptor

Premium without coverage would best describe Liberty Healthshare.
The reviews you are reading are all true.
You will be in collections before your bill is paid if it is paid.
They drag their feet for up to 180 days ( 6 months) ( Half a Year) to reimburse or pay the medical provider. The frustrating issue is that the discounted amount is often unbelievably low that the provider won’t accept it.
The best way to stay out of collections is to do self pay with the provider and then get reimbursed from LHS-180 days later (maybe)
YOU will have to ride them like an old steer to get your claims processed.
God created the Earth in 7 days -Liberty can’t pay a simple claim in 7 months. Book of Genesis and Liberty Handbook
The premium is cheap, affordable but the service is absolutely without question HORRIBLE
BUYER BEWARE

I am a member of Liberty. I was told they don’t pay bills until 6 months from DOS. Typically it has been turned over to collection agency. I was told by the hospital all I owed was $1,000 for my deductible. I don’t want to pay all the bills that are coming in and have to keep up with it. We are talking about several thousand dollars for a surgery. I’m in the process of looking at other healthcare options, plus they are going up $100 in October.

Come on, people. You gotta quit complaining and be smarter. Yes, you have to be proactive with this company, but doing a lot of your own footwork/busywork is what keeps the cost down. Yes, they switched to a new computer system a while back (a year or two ago?) and had some major problems with the system and staff for a while, but it seems to be much better now. Always a learning curve to go through, them as well as you.

So let me explain a few things for you…..

I’ve had Liberty Healthshare since Sept 2017 when the monthly “share” amount was $199/mo for a single Complete. Now it’s $249, and as of Oct 1 will go up to $399. My Annual Unshared Amount — AUA — is $1,000 (may go up?). All in all, still waaaay better than having an outlandish premium plus a $5000-$10,000 annual deductible with a health insurance company!

As for the other folks who have commented on here and complained about Liberty taking too long to reimburse them…you DO realize that you can give your membership card to your provider’s office staff and have them bill Liberty directly, RIGHT??? The only time I have paid a provider’s bill at the time of service was my very first 2 office visits, and I didn’t think to give them my card. I then just submitted the receipt to LHS through my sharebox (be sure to ask for an itemized statement before you leave the office), and they were applied to my AUA.

Also, for procedures for which you have a scheduled appt date and you KNOW that you will have to pay at the time of service, contact the LHS prenotification department to either send you a check for the amount and you pay the facility OR have the amount sent directly to the facility. They require at least 21 days notice for this, so schedule accordingly (there are exceptions).

Here’s my crazy China virus lockdown story:

In March 2020, I was diagnosed with endometrial cancer. In April, I had a radical hysterectomy with lymph nodes removed. In May, I was diagnosed with breast cancer. In June, I had a lumpectomy with sentinel lymph nodes removed. In July, I began Brachytherapy (intravaginal radiation) for the endo cancer. In the next 30 days or so, I’ll begin breast radiation. (Did I mention that I’m my 92yr old dad’s live-in caregiver? You have no idea…) All through this, I was assigned an LHS care manager who checks up on me regularly and is an advocate with LHS. Also, I was assigned an LHS oncology advocate who’s helped me navigate the prenotification process for each procedure and follow-ups with oncologists and surgeons.

If a doctor says let’s get the procedure done right then and there in the office instead of making another appt (in my case, a needle breast biopsy following a diagnostic mammogram for which I already had a prenote), I was told by LHS to go ahead and get it done and a “post-note” would be applied (in my case, for the biopsy and pathology). They WILL work with your situation.

Liberty has been AMAZING and has covered EVERYTHING financially after my AUA. Yes, some facilities want to play games and give you the runaround and balance bill you, but a phone call with Liberty after receiving a questionable billing statement — and even a 3-way phone call with the facility and an LHS rep — has always cleared it up. Keep an organized file or, like I do, a 3-ring notebook with dividers for all LHS info, phone numbers, contacts, and bills so you can compare and check off billing amounts as they appear in your sharebox.

These days, everyone wants their hand held and a hand out. The traditional insurance companies have turned us into stupidly trusting and lazy people who are now used to them doing it all for us, but you have no idea the scummy, limited, runaround, shifty deal you’re actually getting. Been there, done that. I’m sticking with Liberty.

I have been with Liberty Healthshare for over 2 years, mainly because I can’t find anything more affordable. However, I have suffered with this company.

Liberty Healthshare provides low deductible, however, they will readjust your bill. For example you get a bill of $373.00. They readjust that bill for $70. That 70 dollars goes to your annual unshared amount, but you are still forced to pay the whole amount, so your deductible winds up much higher than advertised.

They are extremely slow on paying bills that are shareable. Extremely slow. What this does is cause a lot of stress dealing with MCS and the healthcare billing department who demands you pay, while Liberty drags their feet.

They are not good when it comes to being the liason between insurance and the billing department of the healthcare facility. You are on your own.

To make matters worse and probably will be the reason I leave them finally is they decided to increase their rates almost 200 dollars. So, same poor service, more money.

They say the business is improved, but I see more of the same.

I am still waiting for a reimbursement for a physical that I had Oct., 2018. After many phone calls and the run around, I gave up. I was told I didn’t submit the correct paper work, this was told to me after MANY phone calls and months, but after submitting the paper work they wanted, I still have not received my money. The last phone call I made, which results in hours on wait time, I was told that every time I call my process starts over and I had to wait 45 days. I have now waited over a year!! I still have not received my money and yet I paid my premiums and that was part of my policy. I have warned others not to go to this company. My son has the same issues, it has been over 180 days for them!

I have been with Liberty Health now for 2 years and when I began using their services, it has been nothing but a nightmare. It took over a year to be reimbursed for a $451.00 bill I paid for (it took them several months to tell me exactly what they needed and then another few months to even get the check). That was after several phone calls about it! I had to start asking for supervisors to get anything done. Several of my big bills have gone into collections because it has taken them so long to pay. I am currently trying to find another health share program to take their place. I would NEVER recommend them to anybody!

I would give a negative score if one existed!
Legitimate medical bills for my husband for an emergency hospitalization have remained unpaid for 2 yrs and my attempts to resolve whatever billing issues exist are impossible. We have received little to no follow-up from Liberty following numerous attempts. Because of Liberty’s new policy of referring billing issues that are over 180 days old to a new department that only accepts emails, accessing someone directly is not an option.
I was informed of this new department March 2020 after countless prior attempts to resolve and their unkept promises of follow-up . I have forwarded the same bills to the email address they provided three times, one each month, receiving automated receipt responses from Liberty with instructions to only send them once. I have yet to receive further correspondence from Liberty regarding these medical bills. When I call their regular billing department, I am told only the new department can assist me and to be patient or I am placed me on hold until the phone disconnects. I think two years is being patient long enough and it is time for solutions!
Two bills are in collections and we regularly receive harassing collection letters from attorney offices attempting to collect from us directly. Liberty seems to have no problem continuing to collect monthly premiums, yet unable to pay providers in a timely manner or explain why they are not paying them.

SLOW doesn’t describe it. Liberty Healthshare has been a nightmare from day one. I was recently able to move to an employer plan and am delighted to get away from Liberty. However, the headaches didn’t end there.

Their slowness in paying claims and rectifying their mistakes led to my account being sent to collections. Every time I call them, it’s like there’s no record of previous conversations. I’ve paid more than $500 in bills Liberty should have paid just to keep them out of collections.

I agree they should be banned from operating. They never failed to debit my account for a premium, but seemed to look for ways to keep from paying claims that were obviously their responsibility.

What you save in premiums, you’ll spend keeping your accounts out of collections.

If I could give them negative stars, I would. One star is far more generous than they deserve.

I’ve been a member for 2.5 years and thank goodness I’ve not had a major claim because they are so slow to reimburse and it takes constant follow-up. In Feb 2020 I submitted a claim for a simple wellness visit, which is supposed to be 100% shared (reimbursed) and it’s had to be re-processed twice because it was processed incorrectly. Each time the clock re-starts. They’re saying it can take up to 180 days to receive reimbursement. With the re-processing, now it will be up to a year before I will receive payment. The other bill I submitted in Feb is covered but I still haven’t received payment 5+ months out. I shudder to think what would happen if I submitted a bill for many thousands of dollars. When I was looking for a provider from their list I found that some are no longer accepting Liberty, probably because they had so much trouble getting paid. I’m ready to switch to a different healthshare.

In reading all of the horrific reviews from people who desperately needed this company to simply DO what it said it would do… but wouldn’t follow through .. only one sentence comes to mind from the book of Jeremiah – 48:10 – “Cursed be he that doeth the work of the Lord deceitfully.”

“…the wait to get reimbursed can take around 30-60 business days…”

This statement is no longer true. They recently changed their policy to 180 days of wait time!!!! That is six months. I just spent today talking to them about being reimbursed for birth costs. We have paid $7000 out of pocket before the birth and now the Hospital just hit us with another bill of $4000. Liberty Healthshare told me it could take until September. By that time the hospital wills end collections and one’s credit score will take a hit. We did everything correctly and now our account will just sit there saying “waiting to be shared” for the next 4 months. Thit is scandalous and should be completely unacceptable. 2-3 month wait times are acceptable but 6 month wait times are criminal.

Liberty health share is incredibly inefficient. We have been with them for 3 years. the first year was tolerable. After that it went down hill.
They can’t even process a simple mammogram that i paid for out of pocket. Once they implemented a new system and their leadership changed. They fell off a cliff.
They are 6 months behind on my DPC’s. Going on 9 months for my mammogram.
No strategic plan and POOR leadership.
Watch out do not sign up!

I have been a Liberty HealthShare member for almost 3 years. I am self employed and was looking for a health plan that would help with medical bills and not cost a ridiculous amount. Liberty was recommended to me by someone I sat next to on an airplane. I thought for sure his claims about Liberty were mistaken (sounded too good to be true) but I did decide to check it out. Over the time I have been a member, Liberty has covered everything that was an eligible expense in their guidelines. I am a healthy person in general but have had some unexpected expenses – mohs surgery for a basal cell on my face and physical therapy for an injury to my shoulder. Liberty has covered it all. The only reason I am giving a 5 star review is because they have taken up to 6 months to pay. I definitely think they have gone through some growing pains when the membership was increasing at a rapid rate and they installed a new system that did not go smoothly. But as far as I can tell, things have gotten back on track and time to pay is improving. I have seen many complaints about Liberty and I always wonder about the underlying circumstances and if those members may be causing some of the trouble. For example, it is really important to read the guidelines so that you know what is covered and what is not! For me, Liberty has been fair and I have been pleased. I would recommend Liberty.

Absolutely terrible! Poor doctors and facilities. They have a standard to take up to 6 months for payment. An absolute joke and every facility and doctor will soon drop them. I was shocked. Don’t forget you have to deal with collections letters, make multiple calls and waste a lot of your valuable time. I’m can cancelled today!

I have been a member of Liberty Health Share over three years. One yar ago I needed cataract surgery. After adjustments and deductables, by their calculation, I am due over $4K in reimbursement. I have seen $1300. In a year! I have called many times, and every time have received a different story regarding the status of my claim, one time they even said they reimbursed the doctor, despite the fact that I paid for all services out of pocket before submitting. They have no idea what they’re doing. I have also emailed their official customer resolution team, receiving a confirmation that said “We received your submission. Don’t email us again, it will move you to the back of the line”. What kind of crazy customer communication is that? Leave us alone or we’ll delay payment even further than ONE YEAR? My recommendation: AVOID LIBERTY HEALTHSHARE!

I have been a member of Liberty Health Share over three years. One yar ago I needed cataract surgery. After adjustments and deductables, by their calculation, I am due over $4K in reimbursement. I have seen $1300. In a year! I have called many times, and every time have received a different story regarding the status of my claim, one time they even said they reimbursed the doctor, despite the fact that I paid for all services out of pocket before submitting. They have no idea what they’re doing. I have also emailed their official customer resolution team, receiving a confirmation that said “We received your submission. Don’t email us again, it will move you to the back of the line”. What kind of crazy customer communication is that? Leave us alone or we’ll delay payment even further than ONE YEAR? My recommendation: AVOID LIBERTY HEALTHSHARE!

It’s a toss-up as to which part of our experience with Liberty Health Share was the worst. The disrespect for their members (reps raising their voices when a difficult question is asked, and actually yawning into the phone while we are speaking) or the constant misinformation given to us as we try to understand the delays of getting reimbursed for medical expenses. Different rep, different answer. Every single time. My husband is making one final attempt to resolve our issues. The core of customer service is caring about customers. Big parts of this are communication and compassion – two areas where Liberty gets a huge fail. Contacting a lawyer may be our next step. If we get a satisfactory resolution I will update my review. Respectfully, Linda Stoll

I have been a member of Liberty Healthshare for over three years. I had cataract surgery over a year ago and have not yet received reimbursement for shared costs. I have called and get a different status every time. I have emailed their provided member troubleshooting group and have yet to receive a response other than “don’t email us again, it will only delay your case investigation”. Nice way to push people off. I have had no other claims, so it’s not like I haven’t been a good source of income for them. I would NOT recommend Liberty.

Omg I don’t know where to start.I called to ask them if I’m covered for a colonoscopy and they told me yes you are so it’s been over a year with no payback I paid the drs over 1700 and I been calling and emailing them with the bills and I still haven’t got a penny back from them while they are taking money from my credit card every month for the last three years Help

A few weeks ago I can honestly say I was looking forward to ending my membership and writing a review that entailed a year and a half of frustration. Everything I’ve read in the other reviews I can say is what I have experienced myself. Long wait on calls, being told something different every time I call, horrible payment waits and turnovers to collections. Then while going through these reviews last week I came upon one that mentioned “Caroline” and that she was a miracle worker and to feel free to text or call her. I texted hesitantly thinking this was not legit…..to my surprise not only is it legit, but she is in fact a miracle worker. She had my large claim paid out within 24 hours and even called me to apologize and explain the trouble the company has gone through in the past year. Not trying to make excuses, but just to explain. I can say although the wait was a year to get paid out, I did get paid. She also said to put her number out there and feel free to text or call her. So, thank you Caroline for getting my bills paid and being so kind. She also did not want to take the credit and complimented her “team;” however, she is amazing. 303-730-2683

Absolutely horrible. They don’t explain things well. Their computer systems breakdown and they use that as an excuse not to pay claims. Don’t reimburse full amounts promised. It Takes multiple calls and efforts just to get the simplest preventative care partially paid for. It is a joke. The people who answer the phones never answer the questions the same way. Reimbursement time for me, just for wellness visits, were six months to a year. And they only paid a fraction of what they promise. Please avoid this ripoff. I am so glad I never got sick during my time there. AVOID…. ABSOLUTELY HORRIBLE ORGANIZATION,

I have been very disappointed with Liberty’s customer service. Nearly every time I have called with a question I have left confused or frustrated. The last time I called I was on hold for 25 minutes and I reached a recording that said the staff member was away from their desk and I got a voicemail. Why was I not transferred to an active employee? One time I asked for my husband to be taken off of our membership and my membership was deleted as well without me knowing. I was without insurance for 2 months, and when I asked to be reimbursed for the months my membership was not active, I was told no. Several times I have had to call in to be reimbursed for general wellness appointments. I shouldn’t have to do that they should be paid. I do not support this health-share. I have been so disappointed. The customer service department is NOT run well. I terminated my membership because I have been so frustrated. I DO NOT recommend Liberty to anyone I love.

Liberty is the ABSOLUTE WORST! If I could give negative stars I would. I have been with them for 3 years & they keep getting worse & worse. It has taken forever to learn how to use them, they have taken over a year to reimburse bills (minimum 6 months on average) and they make it really difficult to get in touch with them. They keep making their bill submission more difficult and it seems like they do everything they can to make bills ineligible. I have had to change doctors multiple times because more & more providers will now no longer accept them. I keep very meticulous records of my bills & submissions, and have even had some submissions disappear on their site & have to resubmit them again. Their submission process is also ridiculous. I have had several bills go to collections because they take so long to reimburse and I can’t afford to pay those bills out of pocket. I cannot say enough negative things about them. Do not choose this company!

My review for Liberty Health share. I love the concept of healthshares, and the support of the ministries. I joined Liberty Healthshares, gained understanding of how the ministry works. The customer service people were all very pleasant and wanted to be helpful, but they have NO clue what’s going on. More times then I can count, I was given poor and inaccurate information. There billing process is also confused and not knowing what’s going on. It started off with Liberty sending me checks, for reimbursement that I didn’t deserve, and also double paying. Because customer Service is uneducated it tok MONTHS to get things resolved. Then fast forward a year, I had medical emergencies in my family with bills over $200,000. The only Positive outcome was some of the price reduction neogation. Liberty would NOT acknowledge any bills I submitted. So nothing was ever accomplished with those bills. They were very picky on what they did accept. More then a year later I am STILL waiting on resolution and payment. Multiple bills have gone to collections. When all said and done (which it’s not) I will more then likely ending up paying for years to come in the amount close to $20,000. I was so looking forward to the concept behind Healthshares, but Liberty does not fit my needs when I needed them the most. From my experience there are better Healthshares options available from other companies.

Horrible… I am an insurance broker and used to refer clients to Liberty and a cheaper option. Now all I hear is complaints on how they are not paying or haven’t paid back claims from over a year ago! Even something simple like a kids broken leg etc. So frustrated with them. STAY AWAY!!!!

My experience with Liberty Health Share is like most here. For the first few years, it was a great alternative option for my family. Since 2019 the administration and fulfillment of their services have been a nightmare with which to deal. They don’t secure relationships or contracts with hospitals to negotiate their pricing which means they only pay what they think they should according to medicare costs and then the hospital comes after YOU for the rest. I have 2 $5,000 emergency visit claims to which LHS paid less than $900 for each claim. Now I have debt collectors calling me to pay the rest. Many of these bills have gone on to affect my credit and all Liberty can say is, our policy says we need 180 days to process a claim. The concept of cost-sharing is great, their execution or it is horrible. If I hadn’t already met my Annual Sharing Amount I would be switching providers.

Worst company in the world. We lost so much money paying our hospital bills just to keep them out of collections, and you will never get reimbursed. We get constant threats from the hospital, and we have bills we’ve sent to liberty nearly a year ago that still haven’t been paid. To make matters worse, we lazy woman I spoke to about a bill that is late by several months said she couldn’t give me any type of time frame for payment. WHAT KIND OF WORTHLESS ANSWER IS THAT???? Please Please Please don’t consider this company.

This company is great if you have no Bill’s but as soon as you do it’s a headache and I only have a uncomplicated pregnancy !! The amount of time spent babysitting each and every bill and transaction was crazy! I spent hours first waiting to talk to then and then once I did it took forever to get anywhere!! The amount if money i have in collection right now is crazy!! It takes them so long to submit a bill and then to pay it off they have 120 days maybe more which no dr office /company wants to deal with!! The reps have been pleasant but overall lots of hours n hours talking and dealing with claims!!

We are officially upset with outcome we had with Liberty They are not paying in good faith. We have spent countless hours trying to find out why we have over $15,000 in medical bills witch none of them where paid. We have had to plead with hospitals and doctors office for our bills not to be sent to collections but it’s been over seven months now my wife and I have our credit history rounded because Liberty did not hold agreement on their end. When comes to pay monthly dues they will call you and email you, but soon as you try to call them or email them about a bill, you will get runaround and promises at best. None of our bills that we send to Liberty 7 months ago where paid. We pay Liberty share faithfully; we deserve not to get the runaround for bills that were submitted almost one year ago. I don’t know where else to do. People please please think twice before join.

What a headache…. We have been going back and forth with Liberty Healthshare for months on end trying to get some bills paid from 6-9 months ago. Our pediatrician continues to say that we are on the verge of not being able to have our kids seen anymore due to Liberty Healthshare’s lack of payment for such an extended period of time. We have addressed this with representatives from Liberty Healthshare too many times to count, but no matter how many times we do, NOTHING HAPPENS. Our most recent update from our pediatrician is that Liberty Healthshare told them that our child’s wellness visits are our responsibility – which is not true based on our plan’s coverage. Representatives from Liberty have said it has been processed, have supposedly sent the bills to their manager to expedite and pay, yet still… after 9 months…. no payment. This is only one of many issues that we have had with Liberty. A few of our other issues have been resolved after headache after headache and extensive effort on our part, but the new issues just keep piling up and existing issues still remain. There have been a few rays of hope as some things have been processed after significant effort and time delays, but overall, our experience has been frustrating due to a lack of timeliness, organization, and communication by Liberty Healthshare.

What a headache…. We have been going back and forth with Liberty Healthshare for months on end trying to get some bills paid from 6-9 months ago. Our pediatrician continues to say that we are on the verge of not being able to have our kids seen anymore due to Liberty Healthshare’s lack of payment for such an extended period of time. We have addressed this with representatives from Liberty Healthshare too many times to count, but no matter how many times we do, NOTHING HAPPENS. Our most recent update from our pediatrician is that Liberty Healthshare told them that our child’s wellness visits are our responsibility – which is not true based on our plan’s coverage. Representatives from Liberty have said it has been processed, have supposedly sent the bills to their manager to expedite and pay, yet still… after 9 months…. no payment. This is only one of many issues that we have had with Liberty. A few of our other issues have been resolved after headache after headache and extensive effort on our part, but the new issues just keep piling up and existing issues still remain. There have been a few rays of hope as some things have been processed after significant effort and time delays, but overall, our experience has been frustrating due to a lack of timeliness, organization, and communication by Liberty Healthshare.

The BBB complaints continue to accumulate against Liberty HS regardless of their claim to be fixing the problems through reorganization. This is unacceptable, so I emailed our cancellation notice after being a member since 2014.

You would never know of how much you will be financially at risk just looking at their well done and polished portal, until you have a need. The “Christian” organization credential means nothing…just too many wolves among the sheep.

Liberty HealthShare is a big joke! I have medical bills from last year that have not been paid and was given the excuse that it is due to a system problem that they experienced. I informed the customer service agent that doctor offices are sending me letters stating that I will be reported to a collection agency and that this will adversely affect my credit, However, the Liberty HealthShare customer service agent apologized and said unfortunately nothing can be done to resolve the issue.

I do not recommend their service at all and it is a shame that they call themselves a Christian company. Also, getting a manager to call you back is non existence. I have been waiting for a manger to call me for two weeks. You will be better off negotiating your payments with your health care provider rather than paying your money to Liberty HealthShare.

Do NOT sign up with liberty healthshare. It has been one hell of a nightmare. Most of our bills went to collection agencies due to non-payment by Liberty. It took me years, hundreds of hours spent emailing and speaking to reps who did nothing to help me to have my tens of thousands of dollars owed to me and to my providers paid. Just to show you how much hours i spent trying to receive the money owed to us, I knew all the dates of services and amounts by heart that were owed to me. In Novemeber 2019, they finally paid most of our bills. They are still giving us the run around for dates of services in October-December 2019. I warn you it is not worth your time or money. Stay far far away from them.

0 stars. Liberty Healthshare either needs to realize they are not capable of being effective or be banned from operating. USA healthcare is just too big a industry and too expensive. Liberty members are left further from access to healthcare and coverage. I pray that one day soon someone’s petition or lawsuit will get this shameful company out of buisness. Unisured individuals and families need peace of mind and healthcare coverage. Liberty is far from the solution!!! I know. Just ask my family or doctors and billing staff who witnessed.

Worst decision my family has ever made. We have diligently paid them every month and none of my bills have been paid in the last year. We have been sent to collections for bills that we thought were paid back in 2018 for the birth of our daughter. I am now pregnant with my second child and I have been pre approved for the pregnancy through LHS but none of the bills submitted have been reimbursed or have gone towards my AUA. The bills are being completed through our sharebox but are not being shared because they need the itemized codes for the bills even though the bills have every itemized lab test, what the test was, the charge for that test, office charge and what the Dr. performed. Not even an annual exam I had done in 2019 has been approved for sharing which is supposed to be taken care of. I cant get a hold of anyone via phone or email and don’t have time to sit on hold for hours every day. I’ve wanted to switch to proper health insurance and just pay more monthly since i know they will handle the bills properly but it is not the enrollment period right now and I’m still owed so much by liberty that i’m afraid to cancel with them. I cant afford to not get any reimbursement through out this pregnancy. I have lost my job due to The coronavirus pandemic and am terrified of what may come do to multiplied medical bills, prenatal appointments, and less income. I pray that LHS will have the good faith to do what they have promised their members.

So frustrating to give money every month, but when an emergency hits, it takes AT LEAST 180 days to get payment. Now we are beyond that and no one can tell us when that check will be sent, even though it has been “escalated” for 3 weeks. I felt like any time I tried to request reimbursement there was a solid gate of red tape and requirements that kept us from getting paid. I am very disappointed in the service, and do not recommend putting your trust in this organization.

Very poor reimbursement, they only pay a portion of the medical bill & expect the doctor’s office to write off the rest. I’ve been stuck paying for preventative services that should be covered 100%. I’ve had more charges go to collections as well because payment is so slow & they write off too many charges and I’m stuck paying for the bill. I should be able to use my own premium to pay for my bill, but no that gets used for other members bills.

The slow payment of medical bills has been a pain, admittedly, but the staff have always been helpful and friendly, and they’ve gone to bat for us against immoral balance billing practices, as well. It appears that they are working to fix the slow payment issue, and their coverage and prices seem favorable in comparison to other sharing plans, so we plan to stay with them for now. I will be happy to revise my review once things improve.

I will say we had a relatively positive experience with Liberty for a year and a half…until August 2019. As many here have stated, we had bills go to collections and we were incredibly frustrated. In September 2019, we welcomed the birth of our daughter. Bills piled up as a result. I called the service department multiple times, but could never get anything resolved. In March of 2020, I felt the crushing weight of the bills. I found myself reading these reviews and feeling like a fool for trusting my family’s financial stability in this company. Then I came across a review that referenced a “miracle worker” at Liberty named Caroline. The review had her personal cell #. I decided, “well, I’ve tried everything else. Let me try and call Caroline.” So I did. She is the nicest woman in the world and apologized profusely for the missed bills. She acted quickly and within days she had checks sent out for all my August and September bills. She even was able to get me an old reimbursement check for a bill I paid that I had long written off since I could never get a straight answer. If you are reading this, CALL CAROLINE!!! Her # is 330-730-2683. She gave me permission and wants you to call her. I still don’t know how it works, but she came through. Call her. She is amazing and she alone has restored my faith in Liberty Healthshare.

I joined 3 years ago and was so happy with the turn around time to pay claims. Things changed a year and a half later. Absolutely no claims paid. Providers were ready to turn me over to collection agency. As of today I have been told claims will be paid when the reach 6 months!! TERRIBLE. I strongly do not reccomend.

Anyone thinking about signing up please be aware that the “bills” which are really claims are not paid in a timely manner. I work at a provider’s office and I have been working on getting reimbursement for a Liberty Healthshare member for 1 1/2 YEARS! I have called numerous times. I get the run around every time I call. I am told they are “sorry” they don’t know why this has taken so long & then I am told they are going to process the “bill” and it should be paid within yet another 60 days. It doesn’t happen. I am left on hold for a long periods of time & sometimes the call is dropped. Be very careful signing up with the company. As a provider we are no longer going to take patients who use this company. You will be told you have to pay in advance and then send them an itemized bill. You will be waiting a very very long time for your reimbursement.

I had Liberty Healthshare last year and after my son was hospitalized I submitted bills for payment. The hospital stay was in July and now we’re in March and the bill still has not been paid. I mean come on… we’re coming up to eight months to pay a bill?

Honestly, I’ve never been so disappointed in a company. I’ve called and they’ve confirmed payment has been approved but nobody can confirm when the payment is going to be sent.

Looks like I’ll have to pay the bill and hope Liberty eventually pays me back.

Going on 5 1/2 months and my children’s pediatrician still hasn’t been paid for the well visit. It’s been 4 months since I submitted our first personal reimbursement for a flu shot, which is a minimal amount, and still hasn’t been reimbursed. We have had several other well visit bills since then and have not been reimbursed. We’re starting to wonder if they ever will. I have called about the older bills and have been told they have been submitted for payment but they had no idea when the checks would be sent out. It has been two months now since I called and the wait time to speak to someone was very long. Frustrating!

Do not use them unless you are willing to wait forever for Bills to get resolved, have errors done on your billing and take 30 mins to get someone on the phone.

They are very disorganized and have bad customer service. I called to get help with it and even spoke to a Supervisor named Cameron but it was still just horrible service.

I highly recommend NOT using them unless you’re willing to put up with a lot of nonsense.

Bad company. They wouldn’t pay bills and if they did it took 9 months. We had our daughter March of 2019, the medical bills for her birth were not paid until December 2019 and that was after many many hours on the phone over those 9 months trying to get them to pay. They would act like they were going to get it taken care of and they never did until we stopped our membership. The team there doesn’t know what they are doing.

Go somewhere else for your insurance needs. You will pay more but your bills will actually get paid and in a timely manner. Anywhere is better than Liberty Health Share.

If you are provider trying find out about a claim expect to be on hold for 30 – 90 minuets before talking to a person to answer your questions. Even then the common jaw dropping response to why a claim has not been paid is “we are waiting for funding for payment”, this on claims that have been “approved” for payment many months ago.

It is sad that this large of a company cannot pay their bills, and they continue to try and sell more policies that they likely will not be able to afford when it comes time to paying out.

Sorry for any providers that have to deal with this company.

Like many other comments on this review board a 0 out of 5 would be a more appropriate rating.

As a customer, run before you sign up.

As a provider …… good luck.

I am cancelling Liberty Share today! I had an accident 4 months ago and now starting to get calls from collections agencies since Liberty Share hasn’t processed the payments. Their customer service team can’t give me any updates and their response is to simply call back next week. I’ve been a member for 3 years and have never made a claim. I think its time for a class action lawsuit against these criminals given the horrible reviews.

Getting LHS was the worst financial decision I have ever made. They are completely incompetent. In several cases they have not paid my providers for over a year! It always takes at least several months. I have been threatened with collections several times, and actually sent to collections agencies twice. I had a perfect credit score that is now in jeopardy. Also the zero birth control benefit is ridiculous.

Terrible once your enrolled. Claims are not processed timely, call wait times for all services are insanely long(20 Min+), reps are rude and not very helpful ( one actually yawned out loud while I was on the phone with her – after waiting for 28 min and she acted like she was doing me a favor by answering the call. Very limited benefits including preventive care.
They are basically a clearing house for Claims with a discount for $400 p/month

My daughter had hand surgery last July. So multiple bills from imaging – office visits – surgery – physical therapy. You pay what Liberty thinks the given procedure is worth – which is insultingly low…then the provider sends you a balance bill of course because they are not willing to take that amount…you then have to submit that bill to MCSS to negotiate. We ended up just paying for the small bills to be done with the process – but the large hospital bill is STILL in negotiations 7 months later. I have sent numerous emails and made numerous phone calls – folks are pleasant enough on the phone to talk to – but not a lot of forward momentum going on towards resolution. Switched to Liberty because our health insurance became very expensive after Obamacare – we are healthy and my husband is a family doc so he can do most of our care except big things – so basically we have been steadily paying in monthly and not taking any out until now – will probably look into some other options soon as this process is maddening.

It will be 5 years for me in April with LHS. The first few years were good. Not so much anymore. I get a different answer everytime I call about the same issue, including a lecture from a LHS associate. Many of their “not eligible for sharing” guidelines are quite frankly ridiculous! As a woman I find this discrimination against our hormones! For reasons that make no sense to me you can’t even have your thyroid tested or any other hormones either. WE ARE WOMEN, WE HAVE HORMONES when one is off they all are. But nope, not allowed. I also was denied an epidural (steroid) for my back; LHS says not FDA approved. What a crock of bologna! 1000’s of these procedures are done every day, safely and effectively. I suffered with seathing leg pain stemming from my back injury for 3 weeks before I could get a “nerve root injection ” same thing basically but the wait was brutal! I now have balance bills, bills over 2 years old and a battle about my unshared amount (which was met and they admitted to) over this 2+ year old bill, RIDICULOUS! LHS doubled the unshared amount and upped the premium. The second I can get out I will. I strongly believe they are anti woman with their religious beliefs.

DO NOT SIGN UP WITH THIS COMPANY!!! Read all the reviews/complaints. They are the same. They say they have 180 days to share one of your expenses and if it is not done by that time you can contact their member resolution team which does nothing! It takes hours on the phone and emails trying to even get something approved and then you can wait several months hoping to get reimbursed. We had a surgery which we had a prior approval on, and one that we had to pay for in full prior to having it done and 6 months later, still waiting for reimbursement. ONCE AGAIN DO NOT GO WITH THIS HEALTHSHARE!!!!

Stay away – we are in collections with health care providers…with bills/injuries that were pre-qualified with Liberty. Here we are a year later and still fighting with Liberty to do what is right and pay the bill. Not to mentioned the hours of time i have wasted on the phone with Liberty and the health care providers….My and my wife’s excellent credit is ruined because of Liberty! Stay away, stay away!

Liberty Healthshare and their partner Medcost Solutions have provided me and my family with the poorest customer service of any company we have ever worked with ever in our lives, including any government institution. My daughter fractured her collar bone over 2 years ago, and they have yet to cover the expenses related to this. And yes, we have tried to work with them, and they say that they are supposed to pay the claims, and we have provided every single document they have wanted multiple times. We have spent hours upon hours on the phone trying to get this resolved. The claim is in collections (which they say has to happen BEFORE they will pay) and it has ruined my daughters credit! I can’t tell you fully how frustrating this whole experience has been. I would not recommend this company for anyone looking for healthcare assistance. It also doesn’t seem too “Christian” to not live up to your contractual obligations.

Not what it used to be. I used to LOVE Liberty. I got all of my friends to sign up because I loved choosing my own doctors and they did a great job handling my husbands bills after he had an emergency gallbladder removal. Fast-forward a couple of years to today… We have been sent to collections multiple times for them not paying, they still need to reimburse me for $700 I paid out of pocket a YEAR ago, and we have at least $40k in medical expenses that they have yet to pay. I feel trapped here because I don’t know what happens if I leave and they haven’t paid those bills yet.

We have been with LHS for 5 years. At first it was a good deal and we were happy with them, but 2019 was terrible for us, medically, and obviously for LHS, as well. We had $160,000 in medical bills in 2019 and so far, LHS has only helped us cover about $30k of that. We are now getting calls and letters that our bills are due and about to go to collections. This is even with Medcost working on charges. We are almost at the point that we need medical attention due to the stress and frustration that LHS is putting on us. But, we won’t dare go to the doctor for anything because we do not trust LHS to help us. If by some miracle LHS does come through and help us cover all these bills, we are done with them. I will gladly pay the stupid high costs of regular insurance than ever go with a sharing ministry again. This has been a really terrible experience.

We have had nothing but issues with this company since the day we signed up. Tried giving them the benefit of the doubt, since they have super nice customer service representatives. It has been over a year and we still have not been reimbursed for medical appointments. Also we were told by 2 different people on the phone that a certain portion of a medical bill would be covered only to find out after the fact that it was not. I would not recommend this company to anyone!!! 0 stars!

Speaking to agents or whatever they are called on the phone was always a pleasant experience but the company has still not resolved all of our bills and this is going on over a year later since it happened. We became members and then my wife got pregnant. I was so hopeful that the experience would go well. Not so! I received bill after bill in the mail and it was so confusing knowing what bills I needed to cover and which ones I sent to them and which ones I sent to another third party group! It was a terrible experience and we ended up leaving because I would never want to have any expenses “covered” by them again. Well now our daughter is almost 18 months old and we just received another bill from the hospital for an expense that was said to have been taken care of in my dashboard! Don’t put yourself through the headache! Now I have to worry about whether they will ever cover this expense for us. HEADACHE!!!!!!

Our membership with Liberty Healthshare has been extremely frustrating. No matter how many times we talk with their customer service representatives (hour after countless hour week after week), along with their bill negotiating team MCS, it seems nothing ever gets done. After seeking to be patient and understanding for a long time, we have come to the unfortunate conclusion that we can’t really trust what this company says. We have had to pay thousands of dollars out of pocket on top of our annual unshared amount due to mistakes made by their office. We hope we’ll one day be reimbursed for this, but don’t know if we will. We are on the verge of going to collections for bills from the birth of our daughter 5 1/2 months ago that have still not been taken care of, and we nobody we speak with has been able to do anything to speed up the process. We have habitually had to wait for 6-10 months for any reimbursements to ever show up and worry about them not showing up at all. We unfortunately are now looking elsewhere for a better healthcare option that we can trust.

We pay our Share like Clockwork, as its direct bill to my credit card. we have been a customer since Jan. 2016 so not just signed up, Went to my eye doctors appoint, I didn’t submit this bill just paid out of pocket found out I had two cataracts, I call Liberty to get pre-approved, and it was, I was told I could go to the doctor of my choice but I was to you the Blue Book app for a fair pricing of that service, as the doctors worked with me on the price if I prepaid with my credit card and I did, it was well under the Blue Book app price. I’ve called numerous time and just get the” it’s in the processing dept waiting to cut a check, and we add your claim to the excalated list” We have a daughter with Brain Cancer and we don’t have her under Liberty Thank God, as I wouldn’t be able to handle that additional stress in our lives.

If your Doctor’s office does not need upfront payment and will submit the expense to Liberty themselves, than Liberty is very easy to use. However, I had two doctor’s office visits that were both well checks, meaning I should not have to pay for them whether I have met my Annual unshared amount or not. Because the offices said they were not in network, they needed the payment upfront. I assumed I would get reimbursed within a couple of months of submitting the proper paperwork. After not receiving a check after 3 months, I called and was informed that the expenses were added to my Annual unshared amount and not submitted as a well check. I have three separate well visits that I should have been reimbursed for, but after 5 months I still don’t have checks for any of them. Everytime I call I have to wait on hold for a long time to talk to someone and it’s always a different person so I have to explain my whole situation again from the beginning. I’m either told, it’s still processing or there was some sort of mistake and they need more information. I’m really tired of these calls taking up my day. We’ll see if I get reimbursed for any of it, but in the meantime I cancelled my plan and got private health insurance.

We are ready to abandon ship after using Liberty Healthshare for over 2 years. I have 3 different collection agencies calling me constantly for healthcare bills that have not been fully paid by Liberty Healthshare (fully covered expenses according to our plan and our deductible has been met). My credit score has also been affected. Many insurance companies don’t discount for Liberty like they do for health insurance companies and supposedly there is another division at LHS that negotiates the pricing with the hospitals, clinics, etc. They obviously are not very expedient in getting this done. It has been over a year and still nothing resolved. I am tired of getting calls from collection agencies for somebody else not doing their job. Time to shop around for another Christian health sharing plan. Not very Biblical from my perspective to not follow through with promised commitments to your customers who pay for their plans regularly and consistently.

We were told to do our lab work a certain way and we felt we followed the “rules”. They didn’t pay for any of it. I even wrote twice to have them reconsider.

They did pay for our preventative dr visit.

But I don’t know who decides to share but we “shared” over $6000 and received less than $500 shared back.

Not responsive and don’t really do what they say…

Maybe it depends on what religion you belong to….

I have just called customer service AGAIN for a bill from 2018 that I was suppose to get FULL reimbursement for and AGAIN was told something different. The women I spoke with basically called me a liar. I have called them numerous times over the last year and a half and was told something different each time I called. When I FINALLY, about 4 months ago, was told what I needed to get my reimbursement, I got the information from my Dr, called Liberty to see how to send it, since I am no longer a member and I was told I didn’t need to send it. Now today I call again and was told I did need to send it. Its hard for me to call on a regular basis because it makes me so angry. I am about to give up and just count it as a loss. This is the absolute worst company ever. I am so upset I wish there was something else I could do. I will report them to the BBB

They don’t cover any “MENTAL” health issues. That includes AUTISM and ADHD. Apparently these are voluntary or made up conditions. As much information as we have about autism, I can’t imagine that it’s not a real diagnosis to these people. My son is “high functioning” – thank goodness. I know mothers who are regularly receiving medical care for more serious concerns. I can’t believe I’ve paid into this for a year and a half – have ONE claim for my son’s routine Autism checkup and they don’t cover it. Extremely dissatisfied and will be replacing ASAP.

NIGHTMARE company to deal with. I paid my premiums to Liberty for years consistently (they auto-deduct from my account like clockwork). And then I was diagnosed with stomach cancer in May of 2019. I thought Liberty would be a partner of mine and step up and walk beside me financially. Instead it has been quite the opposite. It has been over 7 months now and Liberty has not paid my hospital bills. Now the hospital is putting my account in collections. I’ve made the tough decision to pay the bills myself out of my retirement account, so my credit is not destroyed.

What Liberty does is they take a hospital bill that is, say, $10,000. They decide to “reprice” it to what they think the service is worth. And it’s drastic too. They would say, it’s worth $2,000, for example. Then, they promise to pay that $2,000, but they don’t follow through (or haven’t in 7 months for me). In the meantime, the hospital is sending my bills to collections if I don’t pay the $10,000. The hospital says they won’t play the repricing game, so even if Liberty pays $2,000, I will be on the hook for the other $8,000. It unconscionable how Liberty can do this. When I was diagnosed, I thought I had a financial partner in them. Instead, they have become a huge stressor in my life, at a time that I didn’t’ need that.

I would have been MUCH better off telling the hospital that I am “self-pay”. That would get me a discounted rate. Then I could have paid that rate out of my pocket. Instead, I was charged the higher rate, Liberty isn’t paying them, and I will be on the hook for the full higher rate, or my credit will be destroyed. In the meantime, Liberty is still charging me my monthly premium.

I calculated that for the premiums I have paid (and continue to pay) to Liberty, I could have self-insured, and been better off. So I would have come out better off burning my money than giving my money to Liberty all of these years.

I’ve walked around with a false sense of security and peace of mind, thinking that Liberty would be there for me in my time of need. Please don’t make the same mistake I made. Don’t give your hard-earned money to this company. In my opinion, they are a fraud.

I have reported them to the Federal Trade Commission in Washington, in Ohio where they are located, and in Georgia where I live. I would have reported them to the Insurance Commissioners, but as the hospitals remind me all of the time “Liberty is not an insurance company”. I doubt my reporting them will have any effect, but I had to try.

This has been a VERY FRUSTRATING company to use for insurance. It would be cheaper to just pay out of pocket. Reimbursement for services TAKES MONTHS (it’s been 10 months for me and I still have not been reimbursed) I call weekly and get the same response. “It’s in process” if you are looking for a good health share company I would suggest to keep looking! I will be changing insurance/health share companies as soon as I am reimbursement (whenever that happens)

I thought this was a wonderful alternative to health insurance but we have been very disappointed. We tested the coverage by first submitting small claims which they reimbursed quickly but once I actually needed them, they let me down. I had a baby and was sent to collections by multiple companies because Liberty took so long to pay. I am STILL waiting for about $15,000 from them and it has been OVER A YEAR. Customer service is TERRIBLE. Every time I call no one can give me any information and they tell me to “give it a few more weeks”. Then a few weeks later I call again and they say the same thing. If I ask to speak to a manager, conveniently, there is never one available so I ask to have one call me back but no one ever does. We paid our monthly amount for years which, at this point, seems like a waste. And because the hospital knew we had a healthshare, we did not qualify for financial assistance and was stuck paying for everything out of pocket. Very disappointed.

I’m on my 3rd membership year and can say that this organization has rapidly deteriorated in the past year or so. I’m still waiting on reimbursement s submitted 6 months ago. The providers have not been paid either, and I’ve had to pay those bills to prevent them from going to collection agencies. So far, We’ve paid $4800 in our “monthly cost share” this year, and have also paid $5000 in unreimbursed (so far) medical bills. What a disaster this group has become. So sad. Fortunately, Medicare begins for both of us next year, relief is in sight. I just hope we receive some reimbursement before we leave.
DO NOT join Liberty!

I have had the exact same experience as everyone else. They take forever to process bills. They claim to have not received submitted bills, even after they were submitted multiple times. They do not respond to emails. They do not call back, or when they do they hang up on you. When talking to customer service, you can get 6 different stories from 6 different people. I have wasted hours on the phone with them. Some time ago I actually got a call out of the blue from them saying that they wanted to make things right and would expedite payment of my reimbursements that had been approved months before. That was almost 2 months ago. My definition of expediting apparently is a little different than theirs. They are Johny on the spot when billing me though. They never miss a beat in that department!

I phoned Liberty, this morning, to make a change (dropping me…I now receive Medicare…..and, keeping my wife). Voicemail said leave my phone number and someone would call me back within 24 hours. Amara phoned me back within 20 minutes. Amara then stayed with me on the phone while I stumbled through a pop up issue with my search engine and until I reached the end of the process and made the change. She was not dissuaded by my being inept with my computer. She cheerfully encouraged me through to the end of the process. I had read Liberty’s recent reviews and was concerned. I became aware, last year, that a new computer system had messed things up (new systems do that). My phone call, today, gave me confidence that they are getting it all sorted out. Thanks Amara!
-Steve Duhl

To sum up our displeasure (grossly understated) with the company, I will just attach an email sent to their customer service rep, as a brief insight of the disaster this company truly is… This is just a touch of what we experienced… (please read below)

“…We spoke TWO MONTHS ago about all of our outstanding bills that Liberty is not getting processed. And still, same old story, virtually nothing has improved or changed since we spoke on the phone when you told us our claims would get expedited seeing as some of them are 12+ months old and SEVERAL are into collections – to NO fault to us.

We have done our part in this to get our bills paid. Followed up with Liberty, spending countless hours (YES, hours) to “keep the fire going” so our bills get paid. I don’t understand why we aren’t being helped. It’s a simple concept… we pay for the service, $300 a month – never late or missed a payment and in return our bills get reimbursed in “30-45 days” as advertised on the website. This obviously hasn’t been the case in 90% + of our claims.

So, since then, collections agencies and clinic providers flood our mail every week with harassing letters looking for their money. And, time after time, all I can tell them is “It’s on it’s way…” Well, to no surprise, they are not believing me and have lost all patience. I have great dread now just going to the mailbox in fear of more and more harassing collections letters. Since then, my wife and I have been under a great deal of stress to which you have no idea how terrifying this all is. But, I honestly don’t expect for anyone at Liberty to feel sorry for us or “understand what we’re going through” because if that were the case, someone would have taken control of our outstanding claims that are just sitting there, doing nothing, and would have gotten them taken care of.

My wife and were hoping after being assigned a “personal liaison,” things would actually start happening. Unfortunately, we seemed to have been tricked again. When we spoke on the phone we went through every single claim and figured out together what had to be done on Liberty’s behalf to get the payments sent out to the providers. We did this about two months ago. You said you would call and get balance forward statements so you could expedite claims that Liberty have let fall through the cracks. I have since called the providers you claimed you would contact, of which, they say they haven’t spoke to anyone from Liberty who was seeking such documents. Also, the attachments in this email were sent to you via your request so you could get them entered and expedited. They’re not even in our Sharebox. Have you even looked at them since I sent the original email? Does it not matter that they’re in collections? The fact some of the claims “didn’t transfer over” during the new software and program update is not a good excuse as to why we aren’t being helped either.

My wife and I have left you several voicemails in the last two weeks.

We don’t deserve to be put out like this. We pay for a service, and Liberty is not following through on their end.
What is maybe the most frustrating concept to all of this is Liberty advertising to be a “Christian Fellowship” type of organization. So far, that has yet to be proven to us. This would not be the case if it were genuinely founded around Christian beliefs and morals / concepts.

We are at our end of our line. Seeking legal council is about all we have left and filing complaints to the Ohio Attorney General against Liberty Healthshare. I assume much of the same will continue until we escalate and take another step to get help, and if that’s what it takes, so be it. We honestly have nothing else to to turn to at this point. I wish you could feel what we feel.

We will continue to call you again and again… and again.

With heavy and very frustrated hearts,
XXXXXXXX”

To the people saying that you can have your healthcare provider directly submit &/or contact Liberty for payment, that is simply not true! Some providers refuse to do this. That leaves you, the patient, to deal with the mess! I recently went through several months of surgery, chemo, etc. After speaking with Liberty at the very beginning and being told, “Don’t worry, concentrate on recovery, everything will be covered 100%”. I now have numerous bills turned over to collections, with more on the way. We have submitted bills and they still aren’t being paid. Spent hours on the phone trying to just speak with someone. Liberty DOES NOT guarantee that your medical bills will be paid!
ATTENTION: This program is not an insurance company nor is it offered through an insurance company. This program does not guarantee or promise that your medical bills will be paid or assigned to others for payment. Whether anyone chooses to pay your medical bills will be totally voluntary. As such, this program should never be considered as a substitute for an insurance policy. Whether you receive any payments for medical expenses and whether or not this program continues to operate, you are always liable for any unpaid bills.

I have called Liberty customer line for members at least once a month and sometimes more like 2-3 times a month but I have not been served well at all. The physical, preventative exam I had in June 2018, supposed to be paid or reimbursed fully by Liberty, is still not reimbursed. Every time I call, there is a new agent. They try to be helpful. They say you should receive a check and another month goes by and nothing.
Also issues with other reimbursements or applying to annual shared amount with my Liberty complete program. Liberty health shares pays for 12 acupuncture and 12 chiro appointments. I have gotten approval by prenotification department. I still get emails saying you need prenotification. I have submitted procedure codes, and resubmitted with CPT codes as the codes that were presented earlier by the practitioner were not what Liberty wanted.
with all these difficulties, my review score is 0.

I wish their payment processing went faster as well as their negotiation on balance bills. 8 months have passed since my wife had some procedures and most bills have been paid and balance bills settled. There are a few that are still pending and they are unable to provide me with an estimated payment date. Once you understand that you have to be proactive with bills and the process, things will go more smoothly. You cannot just sit back and wait for everything to be done, you have to take an active role in being sure everything is being done to settle the balance in full either through payments or through negotiations.

In the beginning I had no problem with Liberty healthshare. The prices are fair and they were paying bills on time and I thought all of my bills had been paid after my deductible had been met. Over a year after my surgery I get a bill for $1650 from home care. I called both parties to find out what was going on and had a conference call with liberty and home health Care service and liberty assured them they would be getting a check in the mail ASAP. after a few months I get another bill from the same company and liberty has never paid them. I have had a horrible time getting ahold of liberty as has the home health group and have been on hold for as long as 50 minutes with no one ever coming to the phone. They give you the option of them calling you back and I did get a call back today on December 9th and we were going to have another conference call with the home healthcare and apparently that call did not go through and liberty did not call me back to follow up. I am very disappointed in liberty and since they are supposed to be a christian-based group they are not getting good vibes from the community. as of the 1st of December I no longer have liberty healthshare because I’m on Medicare now but if they don’t get this bill taken care of I may have to find other means to get this paid. I cannot afford this bill right now.

Liberty healthshare is very very slow to process any submitted bills and they are very good at saying they have not received any bills when they infact received it when talking to someone different within their system. I have been getting collection calls from hospital and clinic due to them being so slow. I have had to resort to mailing in every bill along with faxing them also. I am trying to find out what the next step is and who to contact about the bills not being paid even tho they make sure to get their money for monthly amount. customer service also is horrible as usually have to leave a call back number and it’s days if you even get a call back

Customer service is horrible. As I am writing this review I have been on hold 45 minutes. The recording always says we are experiencing a high call volume. You can leave your name and number and not lose your place in line. When I do this they call back the next day when I am not at my desk where my records are. If I don’t lose my place in line does this mean I would be on hold until the next day? Trying to make sense of how they pay medical expenses is a nightmare. What’s really shocking (since I have nothing better to do while on hold) is all the negative reviews below and I am still with them. Maybe the CEO should take a look at the reviews. It has now been 57 minutes on hold.

BEWARE – They charge your credit card each month like clockwork, when it is time for them to pay for something serious, they keep delaying saying ” we don’t have to pay within a timeframe, we are not a health insurance company, just a ministry”. So I got put into collections because of their inability to pay! I called every time I got a new reminder bill from the doctor. I had them for 5 years, no problem. If they are having trouble they should not take on more clients in my opinion. Be careful.

I am extremely disappointed in Liberty Health share. I have been a member for one year now. During this year my child has had to have four baby well visits. None of them for being sick–only required checkups since he is a baby. He had one in March, June, September and December. Not one of this checkups have been paid despite the EOS being processed months ago. The doctor’s office has threatened that they will take action which can ruin my credit. I have had to front up more than 1,200.00 in order for them to continue to see my child.

I have called Liberty every month. After waiting more than an hour each time I have called the customer support people claim that they will put these on the “prompt to pay list” or that a manager will call me back. I refuse to believe that a prompt payment request would take more than 9 months. And, of course, no manager has ever called me back. At this point I feel completely hopeless with this sharing program.

The worst part is that I pay my share amount every month. And the minute it gets close to the due date they call and email because THEY want prompt payment.I would not recommend this to anyone.

Liberty? What happened? I’ve been with them since 2013. No problems until 2018 and 2019.

It’s been over a year and my one incident is a disaster. Share box is fouled up. They fixed it eventually.

They still have not paid Bill’s since 2018. I’m now in collections. I paid over my portion just to keep the doctors at bay.

Mammograms aren’t free as they advertise.

My sister just left liberty healthshare. They have a 2 year old incident that is unpaid.

Every time you call them, itsv2 hours on the phone and you get nowhere.

They claim it’s in the stack of Bill’s to be paid.

I’m leaving them. It’s almost turning into a scam company in my opinion.

I paid them 500 per month and now can’t get my doctor bills paid.

Smh

I was on hold for just shy of an hour , and all I want is to check status of the claim. The claim processed to the pt’s deduct so there was no check and the EOB needs to be faxed, they DO NOT MAIL EOB’s, it’s fax only, but in our case the fax # was wrong and they have not reached out to us to correct it, as I was trying to provide her with the correct # the call disconnected, do they call back. Of course not! I just wasted an hour of time and got NOTHING ACCOMPLISHED!

I am yet another super frustrated customer of Liberty Health Share. The first 2 years things were fine. I would submit a medical expense, and within 4-6 weeks I would be reimbursed. Then starting 2019, the monthly fee went up and so did the deductible, and I have not seen a penny all year. I have my yearly check up and mammogram from January and we told 4 or 5 times when I called in the ask, “Oh, I see it here it is processing, I will send a note to expedite it.” Are they lying to us? I have submitted another set of bills for an MRI, doctors readings of it and some physical therapy. It shows they are approved, but nothing is happening. (it adds up to about what I have paid in this year, I just want my money back if they are not going to pay!

Here is my biggest worry – I have been told I need surgery and NO WAY can I trust LHS to help me out, so I am thinking I need to bite the bullet and pay the $650 a month for real insurance, but if I quit paying LHS, will I ever see what they said they would pay me?

***PSA*** for all my friends/family that use health sharing ministries. DO NOT USE Liberty Healthsare out of Canton Ohio. They advertise that if you pay them a fee every month, they will reimburse/pay your medical fees. I have faithfully paid my premiums for a year now. I went to the ER in April, and they have been saying a check is on the way since July for almost $10,000 to pay my medical bills, but the check still has not been sent. I call them every month and get the same generic response. I have since been sent to collections, because they told me the check had been mailed out. So instead of setting up a payment arrangement with the hospital, I counted on a check arriving because that’s what I was told. Still no check, and the collection agency calls me daily. I have never even been late on a bill in my life. I pay my bills, and have paid Liberty Healthshare $525 a month for over a year and they are not doing what they say they are going to do. If you google them, you can see that over the past several months they have really dropped the ball and are not paying medical bills anymore. When I signed up for this program I did research and even knew people who were happy with them and had used them in the past who were happy. I don’t know what happened, but I can tell you it’s NOT good. Samaritan Ministries was the best we have used, but Liberty claimed to help cover well visits so we wanted to give them a try. Never again. Stay far away. I have filed a complaint with the BBB and am looking at ways to get a refund on my $7,000 I have paid to them over the course of the past 15 months.

Just received a call yesterday from the “Special Projects” dept at LHS. Missed the call from them and they left a voicemail. To my surprise, I was provided with a direct # to get back to them at. I called and left a vmail explaining that I would be unavailable the remainder of the evening and asking them to call back tomorrow. I received a call at 2:29 this afternoon and from the same person (Lisa) who called me the previous day. She proceeded to explain about their team and how it is made up of more senior and knowledgeable/experienced team members who know the new and old system in and out. She explained that the billing team is smaller and their task is to focus on the new bills being submitted and getting them taken care of in a timely fashion. She was on the phone with me for 61 minutes while we went through bills that I had submitted that LHS had questions on. She and I were quickly able to identify the necessary info to resubmit some bills for reimbursement and some that the providers submitted late and outside the normal timely window so that they will get paid. She also took the time to answer a plethora of questions that I had regarding pre-notifications, chiropractic visits, existing bills that I didn’t realize had been sent to LHS already that I had been working with the provider on, and several other things that have been bothering me since my wife and I delivered our twins on Oct 1st – especially regarding my concern over $130,000 in just NICU and hospital facility bills for my wife and two girls. Call over and questions answered, I proceeded to call the pre-notification line because we pre-not’d the pregnancy, but I didn’t get around to calling about the delivery or the NICU. Waited on hold for 40m and another very friendly team member answered and informed me that the hospital and the NICU had both called to alert them about the stays and I was all cleared – everything had been pre-approved for sharing and they were just waiting on the hospital to get the bills to them!

So please, if you are having concerns about LHS, understand that this ministry is not some huge, soulless insurance conglomerate, but faith-filled believers that are doing their best to spot issues with their service, pivot, improve, and love on their members and they are going through member by member and proactively reaching out to resolve any and every outstanding issue!

If you are having issues and haven’t been contacted by the Special Projects department yet, you can try calling them at 330.427.4545 or you can call Carolyn at 330.730.2683. She has been HANDS DOWN an AMAZING help and is clearly passionate about making sure everyone gets taken care of! Please respect her number and don’t abuse it.

We have been with LHS for 4 years now. They have been fantastic for us. The first year we really didn’t use them much, the 2nd and 3rd year we had quit a bit from a couple of ER visits, surgery, ablation, hospital stay and multiple doc visits, and this year we really haven’t used them much. Everything was paid 100% after we met our AUA. We have the provider direct bill LHS so there is no out of pocket on our end other than our AUA amount. We had a couple of balance bills that took awhile to pay, but they have all been taken care of. Customer service has always been very friendly and helpful. I even had one of their reps do a three way call with a provider last month to resolve an issue. Overall, we have been very happy with LHS.

STAY AWAY! They did not pay an approved simple, affordable, wellness visit I had months and months ago so how could I ever trust them with something serious?!? Plus, you are out of pocket for everything then hope they will reimburse you which sounds like a nightmare if there was ever anything serious! I cancelled and went elsewhere.

Please stay away from Liberty Healthshare!! The reports are true, that something changed in late 2018, and now no-one receives their reimbursement. August 2018, my daughter went and had tonsils an adenoids removed. We went through the pre-approval process, and thought everything was good to go. It’s now Oct 2019, and we’ve received $0 from Liberty Healthshare with no help in sight. We’ve re submitted this bill 5 times, because Liberty Healthshare says we’re missing something. We’ve been on 3 way calls with the Hospital and Liberty Healthshare clarifying that all documents have been submitted, and still they deny the bill saying that the bill was never processed in 2018 so it keeps defaulting to deny medical services. Stay away from these scam artists!!1

My only real claim for a mammogram has now been sent to collections. I’ve called Liberty several times only to be told they can’t tell me how long it will take. It’s been 10 months since my claim was made. They don’t seem to care that they are destroying my credit. I’ve never been late with my sharing to them. Wish they cared more about the people that trusted them. I’m afraid to go get my yearly checkup now. So frustrating.

I have paid into liberty for 5 years. I have NEVER filed a payable claim. I submitted a claim with some mental health issues that are not covered. So I have never received a dime in return on my faithful monthly contribution. I called last month to cancel, and did not received the “email” that I was told would be sent to me. And Oct 5 I was charged again. So I went to the website and found that not only could I have reduced my costs because now there is a lower cost plan, I have been being charged more than the website states is the premium. Whats the deal?

Was a member for 2 years and paid for the most expensive and comprehensive of their plans.
Had no medical expenses except for 2 annual physicals. I paid for blood work and mammograms out of pocket to get lowest price. The first year I was reimbursed by LHS within 6 weeks for around $400.00.
The second year, it has been 7 months since physical, and not been reimbursed. They say that when funds are available I will be reimbursed. I have called once a month for 4 months. They say they are growing too fast, they just changed to a different billing system, and to be patient.

They suck. Currently begging them to pay bills from a year and a half ago that are 100 percent eligible for sharing. Prepare to be sent to collections. They don’t pay your bills until the providers are seconds away from reporting you to collections.

I became a member of LHS in January, 2019 and have paid 100% for all of my medical care (totaling $1,367.00) and have submitted all forms they requested. The plan i have costs $299 per month, so I’ve paid $2,990. It is now October, 2019 and I have yet to be reimbursed for any expenses. I plan on going back to regular insurance for 2020.

I am so sorry to be writing this review. We have been faithful to pay our monthly share for over four years and have only ever one time needed to send a bill for sharing. This was several years ago and that bill was handled well. this year I needed treatment for a back problem and called ahead to make sure that the treatment I was planning to get would be eligible for sharing. We spoke to several different people and asked a lot of specific questions to make sure we understood what would be sharable and how much we would receive back. In January I began my treatment, which we had to pay up front for out of pocket. Part of this had to be paid for using care credit but we were comfortable doing this because we were assured the reimbursement would come and we would be able to pay it off. It is now October and we are still fighting with them without seeing a dime. Our account it still showing pending review and every time I call, which is often, I am given the same information and the same runaround. Occasionally someone tells me they are sending it to be expedited but then nothing happens. We are now in a very challenging place as we are struggling to make the payment to care credit. When I look at all of the complaints here and at the BBB I realized we are not alone in this problem sadly. The BBB complaints are all followed by Liberty talking about the system migration issues and yes that was a major issue and is responsible for why the second part of my bill that was also submitted for sharing somehow went missing but by the time i realized this it was beyond the date when it could be submitted so I am out of luck on that one but still having to make the payment on it to care credit. Liberty needs to stop blaming a computer system issue for all of the problems they are having due to not taking care of their customers. The biggest problem with all of this is that we are stuck. How can we switch to another company when it would take two years of paying into another company to be able to get treatment covered for things that are considered pre existing when we have already done the two years here and earned the right to have our pre existing conditions covered. This has put us and many many others in a really bad position. I am so sad to see how many negative reviews there are. If there had been this many negative reviews when we were looking at the company years ago I would have gone with another company.

Slow reimbursement, but they have been fair. You need to have some patience and some money in the bank to pay medical bills upfront. Liberty has saved my family thousands of dollars vs. ACA. Grateful they exist and want them to improve and grow.

Sorry to say I am with all the disillusioned people regarding what Liberty policies say and what services I’ve received. I can say that I do not have an issue getting someone on the phone like others but there is no resolve and no answers. In 2018 it took an average of 3 to 4 months for reimbursement from time of submission (which is not good). 2019 is worse, as of October I have yet to be reimbursed for one invoice that I pre-paid, starting with submissions in March. I did read a comment to have your provider direct bill but I live in Dallas metro and cannot find a Dr, clinic or hospital in my zip code or surrounding zip codes so if you are considering this I would check your area carefully as I found not many places accept it. I have no problem paying and getting reimbursed but not getting reimbursed at all is a problem.

Been a member for around three years, along with my wife and two daughters. Our experience is that most medical providers don’t recognize health share plans, so you’ll want to manage your expectations here. Also, as with most “customer service” organizations, if you can’t resolve issues on-line, good luck. The last thing Liberty wants is for a member to call in. Long wait times and weak follow up is what i’ve Been experiencing while trying to resolve an issue with their web site. So, be patient, and keep your expectations low and you’ll be fine…

0 out of 5 stars. We would have been better off saving the $366 monthly “share” for our family and taking the penalty of being without health coverage.

Of a $3,269.97 emergency room bill, Liberty Healthshare covered $298.66, and this after an entire year of “processing”. For an organization that markets itself to and for Christ-followers, I can’t help but wonder how many tables would be left unturned if Jesus were to show up at their offices for a visit.

If I could give a 0 I would!!! The only positive thing I have to say is that the rx card helped a little. We paid the $529 plan for a year and not once did they help us. We were actually billed at a higher rate/out of network for having them. They didn’t even cover the preventative care for my kids like they said they would!!! Christian company my ass!!! I’m paying $259 just to walk into the dr. office here not anything else. Customer service is horrendous. They don’t respond, never follow up, and don’t contact your dr. offices to negotiate like they say they will. DO NOT SIGN UP!!!! RUN AWAY AS FAST AS YOU CAN!!!!

I’ve had Liberty Healthshare for a few years now, and love them. They are way cheaper than the Blue Cross plan I once had (which also had a $5000 deductible attached to it). As for the other folks who have commented on here and complained about Liberty taking too long to reimburse them…you do realize that can give your membership card to your provider’s office staff and have them bill Liberty directly, right??? That’s what I’ve done the whole time. I have never once paid a provider’s bill directly and then submitted a claim for reimbursement. Think smarter, people. Sheesh.

i think this is a scam. they did not reimburse my well visit and claim they used to have a 45 day reimbursement time period but now there is no guarantee for when it will be reimbursed. i sent my bill 2 months ago and every time i call they tell me they will start the process, then don’t. i think this is a scam.

Every time I call there is a new hoop to jump through in order to be reimbursed. I’m so frustrated with his “company” I’m seeing red! All of the above negative reviews are EXACTLY what I’ve dealt with!!! You’re better off saving your money, because you’ll be paying out of pocket anyway. If I could afford a lawyer to get my money back I absolutely would!!!

Every time I call there is a new hoop to jump through in order to be reimbursed. I’m so frustrated with his “company” I’m seeing red! All of the above negative reviews are EXACTLY what I’ve dealt with!!! You’re better off saving your money, because you’ll be paying out of pocket anyway. If I could afford a lawyer to get my money back I absolutely would!!!

Been with Liberty for a few years now. I used to love them, but with their software change they are majorly backed up and everyone says the same thing – that the bill has been resubmitted, there was software issues, that they didn’t process bills for 2 months because of the software issue, that bills were lost, that they don’t have a timeline for payouts, and basically that’s it. I have several bills that have been hanging for months. They need to find a faster way to get these bills paid.

My biggest complaint is extremely slow reimbursement and having to deal with MCS Solutions who’s their 3rd party negotiators. Almost 100% of the time once it goes to MCS you’ll get zero updates and you’ll Start getting collection notices from your medical provider. I been wrestling with one bill since December 2018 and received a collection notice. Ridiculous and embarrassing! It’s also unfair to our medical providers that LHS is so slow. I wouldn’t choose LHSw for this reason. Try Medishare as an option. I am seriously considering changing but what a hassle.

Wow, I thought I was just having problems with LHS! While in the 5 years I’ve only had a few claims be submitted and shared, their customer service is terrible. No one calls me back. When I do get through, they pass the buck and then they don’t call me back. They don’t care. So, I’ll take our consumer dollars elsewhere.

I give Liberty Healthshare a 0 out of 5. They blatantly lied to me. I requested a cancellation letter for Nov. 1 2018 and I have it. I can send it to anyone that would like to see it. In February of 2019 I received a new charge to my credit card in the amount of $604 from Liberty Healthshare for a February 2019 premium payment. I called Liberty and spoke with a manager Dennis at extension 1066 and he told me I definitely should not have been charged for that month. I had already notified my CC company and told them it was a bogus charge. Dennis told me that since the charge was in dispute with the CC company that he wouldn’t be able to refund me the money. Actually his exact words were “if the charge wasn’t in dispute then he could refund me my money today.” So to make a long story short I decided to go ahead and take the credit card charge out of dispute because the CC company told me it would take about 6 to 8 weeks for the dispute to run its course. Since Dennis had already told me they would immediately refund my money if it wasn’t in dispute I asked the CC company to take it out of dispute. Which they did… and wouldn’t you know it when I called back and spoke with Dennis he told be that they wouldn’t be able to refund my money because I didn’t go through the proper process to cancel my account. If I didn’t go through the proper process to cancel my account then why do I have a cancellation letter from Liberty Healthshare that shows my account as cancelled as of October 31, 2018. They blatantly lied and tricked me into cancelling my dispute with the CC company. And now the CC company is telling me they can’t re-open the dispute. So here I am with a cancellation letter from Liberty Healthshare for October 31, 2018, and a $604 charge on my CC account for a February 2019 bill from Liberty Healthshare, 3 months after my account is cancelled, that’s racking up interest costs every month. Very dishonest business practices… especially for what is supposed to be a faith-based company. I have all of the phone numbers and documents if anyone is interested. Pretty unbelievable.

Still waiting to have bills paid from 2018. Terrible communications, broken promises, unethical practices….Just take a look at the complaints on the BBB for the company. I was incredibly disappointed to see that this is an ongoing pattern. Find another option.

I signed up for this because we are a healthy family of 3 and our alternate insurance would have been $2400/mo. They have paid my husband’s wellness visit promptly, but we have been waiting 10 MONTHS (and 6 phone calls, several emails) for them to reimburse us for my son’s wellness visit last summer. Absolutely unacceptable! I can only imagine how terrible it would be to deal with them in the unfortunate event of a major medical issue. Reading all of the other extremely poor reviews has been eye opening and I am definitely looking for alternatives to Liberty Healthcare since I no longer have any confidence in them. I would give them more stars for price but since you are literally getting NOTHING in return for your monthly payments it sucks!

Seemed like such a great solution for affordable healthcare but don’t trust this company. We have been waiting six months for reimbursement with phone calls being completely useless. Apparently the amount has been approved but no one we have spoken to can give us ANY idea of when we will be reimbursed. Why? They can’t answer. If you think this company is so great, check out all the complaints with the Better Business Bureau. I think they need a new CEO.

My husband has been on this plan for three years and they were okay paying the smaller bills. Then he ended up in the emergency room with a $10,000 bill and the problems started. This was in December, now it’s July and we still have not seen this payment from Liberty Healthshare despite many phone calls. The bill is complete and approved with no more information pending but no one can even give us a remote idea if or when we will see a check. I would caution people to sign up for this plan. To me it seems they are either going broke or scamming people. So much for “gaining public trust” as they advertise. Check out the better business bureau complaints about them from people- they are all about people not getting paid.

I’ve been a member of LHS since Sept. 2016. For the first two years, everything worked as it was supposed to. Then they got a new CEO and a new bill processing system… and everything went to … LHS says that they cover annual wellness exams and bloodwork, including well-woman visits, mammograms and colonoscopies (over 50 yrs). Never, never did I get reimbursed without a fight – it may be simple to submit a claim initially, but woe to you if anything is amiss – they’ll kick it back. Worse than any insurer. I belong to a direct primary care practice, which Liberty used to completely reimburse. Now they reimburse a percentage. And it still takes 6 months to get the money. I am leaving Liberty and going back to Samaritan Ministries, which now offers a wonderful package of additional resources to its members, who are really self-pay patients. I think that Liberty became a catch-all for people who were fed up with insurance. There wasn’t enough accountability for members to be actual Christians (this is supposed to be Christian Healthcare sharing) or to truly try to negotiate the lowest cost services possible to save other members money. The company no longer operates under the principle of “bearing one another’s burdens.” I just can’t deal with the long lag times to get reimbursed, the different stories I get from CSRs every time I call about bills (they still owe me over $500 and one of my providers almost $200, but I consider myself lucky that I’m in not in collections like so many others here). I joined as a way to save money, but I think I’ve lost money over the three years I belonged. Looking forward to rejoining a community of believers at Samaritan!

I have been a member here for 6 years. If I could afford medical insurance I would switch. I am only a member here because its illegal not to have insurance. I finally had to submit a claim NOVEMBER 2018. It is now JUNE 2019 and I still have not been reimbursed. I have talked to 3 supervisors, have had 27 phone conversations, have waited on hold an average of 75 minutes each call, and I am told “Its still processing”. I have filed a complaint with The Attorney General. They are very timely when they deduct my share amount each month! This does not feel like a Christian organization. It is very shady and I would NEVER refer them.

If I could give a lower rating than 1 star for reimbursement I would. We have had nothing but headaches trying to get bills paid through Liberty and have been sent to collections twice just for annual wellness checks that should have been paid (both were under the $400 allowance). We waited almost a year for one bill and like others have said, they never give you a timeline on when you can expect to receive reimbursement without ruining your credit. I highly suggest finding an alternative. It is not worth it.