Liberty Healthshare Review
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Liberty Healthshare Review

 

Below, is a Liberty Healthshare review that I am able to write from personal experience. I have been with Liberty Healthshare for around 2 years now and have loved every minute of it. Like most people first learning about healthsharing ministries, I was also very skeptical at first. But here has been my experience.

*Besides being a member, I am in no way associated with Liberty Healthshare. This is just my personal review of my experience with them.

Liberty Healthshare Review

Pricing

The pricing for Liberty Healthshare is pretty upfront. They offer several options that are catered to individuals, couples, and families. These options are broken down into Liberty Share, Liberty Plus, and Liberty Complete. Keep in mind, all of the pricing options you see below are after the Annual Unshared Amount

 

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Zion Health

4.8
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Zion Health is a fairly new healthshare based out of Utah. They offer super cheap plans and even Direct Primary Care memberships.

• Fast Processing of Needs
• Unlimited Sharing

Liberty Share

 

liberty-share-option

 

The cheapest option that Liberty Healthshare has to offer is its “Liberty Share” option. With Liberty Share, you will receive 70% of eligible medical bills up to $125,000 per incident. The pricing for this option depends on your age and whether you’re single, a couple, or a family. For a single person under 30 that doesn’t visit the doctor much, this option is pretty perfect. For only $107 a month, you can have the ease of mind knowing that you are covered in case something happens. Even for an entire family, you are only looking at a $345 monthly price tag. This is still cheaper than any other options you might find for a family.

Liberty Plus

 

liberty healthshare revew

The Liberty Plus option falls in the middle. With Liberty Plus, you can receive up to 100% of your eligible medical bills for up to $125,000 per incident. In my opinion, this is a much better option than the Liberty Share option. For only $24 a month for a single person, you can receive 100% coverage as opposed to the 70% that Liberty Share offers.

Liberty Complete

 

liberty health share review

And here is Liberty Complete. The best option offered at Liberty Healthshare and the one that I personally use myself. I initially started off with the Couple package at $249 a month for the first year. As two pretty healthy people, we didn’t need to use our healthshare much, so I was not able to judge Liberty much. However, after about a year of using Liberty Healthshare, my wife and I had our first child and moved up to the family plan once he was born. We used our Liberty Complete option throughout the entire process. You can click here to see how everything went!

Signing Up

When I first heard about Liberty Healthshare, I waited a couple of months before actually signing up. I spent a lot of time calling them and trying to poke holes in healthsharing ministries. The sales staff was absolutely awesome! They were very patient with me and were happy to answer any questions I had.

Eventually, I was sold. I decided to give Liberty Healthshare a try and went ahead and signed up.

 

Enrollment

After speaking with numerous sales people before deciding to try Liberty Healthshare, I was on to the enrollment process. On Liberty’s website, they have a simple enrollment form that you can fill out. This basically just lets their enrollment team know to contact you to get the ball rolling.

 

liberty healthshare enrollment

After filling this out. You will have a member of Liberty Healthshare contact you to go over the next steps. The process was surprisingly simple. I was sent some forms to fill out and email back to them. The forms took me about 30 minutes to complete. After that, I believe I paid an enrollment fee and my application was well underway.

There is also a period (I think 30-60 days) where you are conditionally enrolled. This means if you are to get into an accident, Liberty would still help you with your medical bills. However, if something came up that seemed like a pre-existing problem that they were not aware of, there is a chance they would not share into that. I thought this was fair enough as it keeps them from getting scammed by people.

How to pay for Liberty Healthshare

I must admit, at first, I was pretty confused about how healthsharing ministries worked. The very little amount of information that I found on the internet led me to believe that I would be sending other members my money. This seemed pretty complex to me….but I was wrong.

Liberty Healthshare has a super easy way of submitting your monthly sharing amount. Online, you can simply add your credit card and elect for a monthly draft. In my case, I have $399 drafted from my account at the beginning of the month. That money goes into a “sharebox” where the money is then sent to those who need it for medical bills. When logging into my sharebox, I can see where my money is going each month. Members can elect to show their names or remain anonymous. There is an option where you can decide how you want to be displayed when you receive money as well.

 

 

Submitting medical expenses

Submitting a medical expense is a breeze with Liberty Healthshare. There are two options you have when receiving a medical bill. You can either decide to pay the bill yourself and get reimbursed later, or you can submit the bill straight to Liberty so that they can pay the provider directly.

libertyemail

When you have a bill to submit, all you need to do is log in to your account and upload the bill to your sharebox. As your bill is being processed, you will receive email updates that something has happened with the bill.

Submitting for reimbursement

A lot of times, I will go to a doctor where I have a $50 or $100 office visit. In cases like this, I will just decide to pay the bill out of my pocket and submit this to Liberty for reimbursement. Many times, you may face a situation where you are forced to pay upfront for a service. If so, you will just have to bite the bullet and pay upfront and wait to get reimbursed. One thing that has been pretty frustrating with Liberty Healthshare is the wait to get reimbursed. It can take around 30-60 business days….and it’s normally on the longer end of that. If it’s something under $100, it’s probably not a big deal at all. But if you ever had to pay over $1,000, it’s not going to be any fun waiting this long to get your money back.

Submitting a bill directly

If you’re able to do so, submitting a bill directly to Liberty is always the best option. For larger services, like the birth of our child, you aren’t expected to pay upfront — instead, you are just sent a bill. This is always great because you can just upload the bill to your sharebox and Liberty will pay that provider directly.

If you can, always talk to a provider about the potential of getting a bill instead of paying up front. This could end up keeping a lot of money in your pocket!

 

Healthsaring reviews

 

Leave a review!

Are you a member of Liberty Healthshare? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry!

If you have any questions about Liberty Healthshare, contact us or hit us up on Twitter or Facebook!

Pros

  • Super easy to submit a claim
  • Awesome support staff
  • No religious requirements

Cons

  • Long reimbursement times

Overall review score

1.5
236 reviews

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Reviews

E
Ethan
October 5, 2020 @ 20:25
1.0  

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’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 ne..
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A Winny
October 3, 2020 @ 20:50
2.0  

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.

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 ..
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Tony
October 2, 2020 @ 14:22
1.0  

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.

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 b..
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Anon
October 1, 2020 @ 15:10
1.0  

“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.

“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 ..
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David Christensen
September 28, 2020 @ 20:40
1.0  

Liberty health share is a joke… I mean, I could get all wordy here, but you have choices. Choose something else….

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Sandra B Stanford
September 28, 2020 @ 18:11
5.0  

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

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 o..
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DANIEL F SWARTZ
September 27, 2020 @ 16:01
1.0  

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.

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 shari..
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Greg
September 25, 2020 @ 15:57
1.0  

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!

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 r..
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Teri Beers
September 23, 2020 @ 16:00
1.0  

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.

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 servic..
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Allen Hammond
September 22, 2020 @ 19:57
1.0  

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.

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..
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Monica
September 22, 2020 @ 16:58
4.0  

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 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..
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Michael
September 16, 2020 @ 23:57
5.0  

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’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..
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Diane L Willis
September 10, 2020 @ 22:07
1.0  

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 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 hav..
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Anonymous because I’m still trying to get old bills paid by Liberty!
September 10, 2020 @ 04:30
1.0  

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.

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..
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Samwise
September 9, 2020 @ 23:50
1.0  

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.

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..
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Amy Day
September 9, 2020 @ 15:35
1.0  

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.

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 ..
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Penny Alexander
September 7, 2020 @ 23:43
1.0  

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

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 ..
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Maria G
September 5, 2020 @ 02:36
5.0  

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.

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..
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Chaz Starnes
September 3, 2020 @ 16:57
1.0  

This company needs to be legally investigated. A law suit needs to happen.

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Chaz Starnes
September 3, 2020 @ 16:54
1.0  

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.

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 ..
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david
September 1, 2020 @ 19:01
1.0  

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

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. ..
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GorillaZee
September 1, 2020 @ 17:17
1.0  

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’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. W..
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Nancy Harper
August 26, 2020 @ 14:25
1.0  

They have the gall to raise their rates for October 2020 when they don’t even reimburse their members well. I am glad I got out of Liberty Healthshare!

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Babette Dangerfield
August 25, 2020 @ 23:33
1.0  

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.

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 ..
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Dee black
August 25, 2020 @ 16:47
1.0  

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.

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..
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Susan
August 22, 2020 @ 15:18
5.0  

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!

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 S..
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Jennifer
August 21, 2020 @ 17:31
1.0  

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..
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Jennifer
August 20, 2020 @ 17:51
1.0  

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..
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Jennifer
August 20, 2020 @ 17:49
1.0  

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!!!

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..
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SK
August 20, 2020 @ 14:44
1.0  

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.

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 thin..
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Stuck with LIberty
August 19, 2020 @ 16:08
1.0  

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

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 kee..
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Frustrated Liberty Member
August 19, 2020 @ 15:00
1.0  

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

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 reimb..
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Chandler Hyer
August 11, 2020 @ 20:05
1.0  

I have been sent to collections for every bill. For an annual check up it takes up to a year to pay the bill. Our pediatrician will only see us if we pay cash first

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George Hamm
August 10, 2020 @ 16:33
1.0  

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.

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 ..
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Joe Johnson
August 3, 2020 @ 21:46
1.0  

UTTERLY APPALLING ORGANIZATION! In the midst of a pandemic, monthly fee increased 33%!

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Liz
August 2, 2020 @ 18:39
1.0  

This company takes your monthly contribution, then finds creative ways to reject legitimate health expenses.

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Sixtysomething Female
July 31, 2020 @ 23:16
5.0  

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.

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 o..
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Phil Knowles
July 31, 2020 @ 03:18
1.0  

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 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..
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Ardith Carr
July 28, 2020 @ 16:14
1.0  

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 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 a..
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Mikki
July 18, 2020 @ 09:11
1.0  

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 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 ..
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Jacki Muhle
July 17, 2020 @ 19:11
1.0  

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.

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..
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Chris
July 16, 2020 @ 15:24
1.0  

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.

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..
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Vanessa
July 10, 2020 @ 19:01
1.0  

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.

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..
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Allan Miller
July 8, 2020 @ 11:13
1.0  

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.”

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 – &..
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Tyson B
June 30, 2020 @ 19:52
1.0  

“…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.

“…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 be..
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Linda
June 27, 2020 @ 18:44
1.0  

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!

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 ne..
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Anne
June 20, 2020 @ 05:38
4.0  

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.

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 airp..
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Steve Randall
June 19, 2020 @ 19:10
1.0  

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!

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 letter..
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P Chandler
June 13, 2020 @ 15:01
1.0  

They need to be investigated and audited!!!

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Chuffed Liberty Member
June 11, 2020 @ 18:06
1.0  

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,..
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William Krueger
June 11, 2020 @ 17:13
1.0  

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,..
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Marcus Webb
June 11, 2020 @ 16:39
1.0  

8 months latter with hours of time lost and collection agency letters… the bill is still not paid by Liberty Healthshare (covered screening ie colonoscopy)

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Linda Stoll
June 9, 2020 @ 19:53
1.0  

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

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) ..
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Concerned citizen
June 9, 2020 @ 12:13
1.0  

Stay clear from Liberty Healthshare! Horrible! Seek coverage from any other source. Be wise and safe and go with another company for your health care needs.

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BK
June 5, 2020 @ 12:46
2.0  

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.

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 mem..
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Michael k
June 2, 2020 @ 14:28
1.0  

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

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..
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Stacie L Roscetti
May 29, 2020 @ 16:53
3.0  

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

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 ..
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Anthony Richards
May 27, 2020 @ 18:12
1.0  

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,

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 preve..
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Holly
May 27, 2020 @ 15:43
1.0  

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.

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..
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KT
May 22, 2020 @ 20:23
1.0  

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!

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 (minim..
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Renelle Carlson
May 20, 2020 @ 03:47
1.0  

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.

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 wante..
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Cameron
May 19, 2020 @ 22:41
1.0  

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!!!!

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 br..
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Chris
May 15, 2020 @ 17:25
1.0  

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.

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..
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Tim Touchet
May 7, 2020 @ 19:07
1.0  

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.

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 yea..
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Marla
May 6, 2020 @ 23:22
1.0  

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!!

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..
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Paul N
May 6, 2020 @ 18:48
1.0  

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.

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 ..
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Emily G
May 6, 2020 @ 02:09
1.0  

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..
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Emily Gardner
May 6, 2020 @ 02:06
1.0  

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..
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Marc
May 5, 2020 @ 15:06
2.0  

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.

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 ..
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Sam P
May 2, 2020 @ 02:14
1.0  

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.

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 m..
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Esther G
April 26, 2020 @ 13:11
1.0  

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.

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..
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Heidi
April 25, 2020 @ 20:32
1.0  

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.

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 cove..
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Melody Strong
April 23, 2020 @ 19:51
1.0  

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.

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 ..
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Karen
April 22, 2020 @ 19:09
1.0  

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.

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...
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Mary Dempsey
April 22, 2020 @ 11:45
1.0  

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.

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..
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B Fairbanks
April 21, 2020 @ 21:54
3.0  

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.

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 ..
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Kreg
April 10, 2020 @ 00:54
4.0  

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 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..
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Madeline Hanrahan
April 5, 2020 @ 23:36
1.0  

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.

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 p..
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Kathy
March 19, 2020 @ 20:47
1.0  

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.

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 mem..
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Tim
March 5, 2020 @ 16:46
1.0  

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.

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 eig..
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Kristi Webber
March 2, 2020 @ 20:51
1.0  

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!

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..
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Eve Rodriguez
March 2, 2020 @ 19:51
1.0  

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.

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 an..
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Gerald Earl Van Tassell
February 28, 2020 @ 18:58
1.0  

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.

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 tryi..
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Richardo
February 25, 2020 @ 20:46
1.0  

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.

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..
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Dan Foehner
February 25, 2020 @ 16:41
1.0  

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.

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 the..
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Amanda Gray
February 25, 2020 @ 05:12
1.0  

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.

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..
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Kathy
February 24, 2020 @ 22:08
1.0  

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

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 ..
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Karlynn Welling
February 20, 2020 @ 20:53
1.0  

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.

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..
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Heidi S Kleinman
February 16, 2020 @ 17:39
1.0  

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.

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&#..
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Jennifer
February 14, 2020 @ 18:12
1.0  

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!!!!

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! ..
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John Hanson
February 14, 2020 @ 16:44
1.0  

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!

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 hou..
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James Barton, MD, DDS
February 10, 2020 @ 20:20
1.0  

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.

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..
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dave
February 10, 2020 @ 17:42
1.0  

Will not pay for wellness blood work. Claim wrong Z code was sent ,. After reviewing with Dr. and Quest I am confident correct code was sent to Liberty. I should not have to go thru this month after month .

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Steffanie Gillrie
February 9, 2020 @ 19:20
1.0  

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.

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 yea..
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G S
February 4, 2020 @ 06:17
1.0  

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 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 a..
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Jessica
February 4, 2020 @ 02:36
1.0  

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!

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 ..
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Keaton
February 4, 2020 @ 00:07
1.0  

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!!!!!!

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 preg..
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Ty Gardner
January 20, 2020 @ 19:17
1.0  

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.

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 not..
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David Fige
January 16, 2020 @ 14:02
1.0  

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.

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 cataract..
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Kelly Byrer
January 15, 2020 @ 16:44
1.0  

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.

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..
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Tina Clark
January 12, 2020 @ 00:49
1.0  

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 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..
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Bailey Dill
January 10, 2020 @ 22:22
1.0  

Terrible service and reimbursement times with no end in sight.

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Carol Madsen
January 10, 2020 @ 02:47
1.0  

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….

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..
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Kim Hodzic
January 9, 2020 @ 17:02
1.0  

It takes several months to be reimbursed.
I will be looking for alternative insurance once I finally receive my reimbursement checks.
It’s almost impossible to reach a representative on the phone or email. Very frustrating.

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Sanay
January 9, 2020 @ 16:59
1.0  

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

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..
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Susan Young
January 8, 2020 @ 15:54
1.0  

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.

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 diagnosi..
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Paul
January 7, 2020 @ 10:37
1.0  

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.

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 s..
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Nicole
January 2, 2020 @ 02:45
1.0  

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)

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 r..
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Caitlin S.
December 30, 2019 @ 15:46
2.0  

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 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 a..
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RH
December 29, 2019 @ 17:41
1.0  

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’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 t..
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Dave Woon
December 19, 2019 @ 16:49
1.0  

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 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 wh..
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Steven Duhl
December 18, 2019 @ 15:15
5.0  

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

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. ..
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Matthew Hitchcock
December 17, 2019 @ 18:02
1.0  

I have been battling Cancer for the last year and I believe medical bill not paid by this company are what is really going to kill me. I am in collections with several medical offices and Doctors.

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Joe
December 17, 2019 @ 17:45
1.0  

Run AWAY!!! They are exceptional at sucking your contribution from you the nano-second that it’s due,, but they are completely inept (or worse) at paying your expenses. Likewise, any call to them means you’ll be on hold for hours!

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ADAM WOOD
December 16, 2019 @ 07:22
1.0  

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 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… (plea..
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Kelly White
December 14, 2019 @ 15:32
1.0  

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.

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 thro..
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Sujata Owens
December 13, 2019 @ 22:03
1.0  

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 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 Lib..
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Mark
December 12, 2019 @ 14:40
4.0  

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.

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 the..
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Carolin Berry-Walsh
December 9, 2019 @ 17:20
2.0  

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.

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..
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Luann newlun
December 6, 2019 @ 00:20
1.0  

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

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..
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Branden Kirk
December 5, 2019 @ 06:00
1.0  

Never got reimbursed 6k for an ER visit after an accident. My wife has been waiting 9 months for a reimbursement on a pre-approved expense. Hour plus hold times, lost ppwk etc.

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Mark Morgan
December 4, 2019 @ 23:54
1.0  

They do not pay providers on time if at all. I am a provider and still waiting on payment from 7 months ago. They say they have the funds and are going to pay but NOTHING. Very questionable company indeed. I would stay away.

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Terry
December 4, 2019 @ 21:29
1.0  

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.

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 b..
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Cathy
December 4, 2019 @ 18:40
1.0  

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.

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..
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Jessica Dornelas
December 4, 2019 @ 04:43
1.0  

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.

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 Ma..
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Lori neighbors
November 16, 2019 @ 12:25
1.0  

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

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 si..
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Nate p
November 13, 2019 @ 21:03
1.0  

New member as of 2019 another unpaid customer for our wellness check ups. We will be canceling and going elsewhere.

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Alicia Jenkins
November 6, 2019 @ 19:34
1.0  

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 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 ca..
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Sandy Kralovec
November 2, 2019 @ 15:34
1.0  

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?

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 deduc..
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Jennnifer Munson
November 1, 2019 @ 14:15
1.0  

***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.

***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 p..
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Chris
October 31, 2019 @ 23:09
5.0  

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.

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 ..
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Jayne B
October 29, 2019 @ 19:40
4.0  

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.

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..
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Sonya
October 24, 2019 @ 21:53
1.0  

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.

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 ..
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Tyler Young
October 21, 2019 @ 18:56
1.0  

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

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..
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Connie Brown
October 21, 2019 @ 05:39
1.0  

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.

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 ar..
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CHERYL COX
October 19, 2019 @ 23:50
1.0  

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?

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 c..
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Marta s Garland
October 18, 2019 @ 15:26
2.0  

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.

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 reimburse..
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Michelle
October 18, 2019 @ 05:33
1.0  

Does the author of this article have anything at all to say about all these horrible reviews???

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Lexi garofano
October 18, 2019 @ 05:11
1.0  

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.

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 collect..
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Cindy Gatz
October 15, 2019 @ 14:22
1.0  

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 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..
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Anna
October 12, 2019 @ 23:32
1.0  

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.

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 neede..
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Judd Grossman
October 10, 2019 @ 18:27
4.0  

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.

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. ..
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Leesa Smith
October 4, 2019 @ 16:57
1.0  

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.

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 ..
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Joel Sigel
September 30, 2019 @ 19:14
2.0  

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…

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..
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Matt
September 7, 2019 @ 18:00
1.0  

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.

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 af..
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Liberty Brown
August 26, 2019 @ 23:20
1.0  

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!!!!

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 di..
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Dorie
August 12, 2019 @ 00:58
5.0  

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’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..
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bianca benz
July 15, 2019 @ 17:44
2.0  

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.

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 ..
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Unbelievable crooks
July 8, 2019 @ 14:56
2.0  

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 mone..
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Beyond unsatisfied
July 8, 2019 @ 14:55
2.0  

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 mone..
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Disappointed
July 2, 2019 @ 16:29
3.0  

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.

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 proce..
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Cary Hitchcock
July 1, 2019 @ 21:46
3.0  

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.

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 fr..
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Beth Trice
June 28, 2019 @ 17:06
3.0  

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.

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 do..
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Orlan Cahoon
June 27, 2019 @ 22:28
1.0  

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.

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 t..
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Karen Norris
June 25, 2019 @ 14:40
1.0  

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.

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. F..
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Holly Dewire
June 20, 2019 @ 20:41
1.0  

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!

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 th..
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Indra Lielbriedis
June 20, 2019 @ 14:12
2.0  

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.

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 ..
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Indra Hudson
June 20, 2019 @ 13:34
3.0  

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.

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 ..
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Michelle C
June 18, 2019 @ 19:59
2.0  

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’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 wellnes..
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Joe
June 13, 2019 @ 16:32
2.0  

They are quite prompt at drafting your payment, but extremely slow (if ever) with their reimbursements. It’s been over 3 months and there’s been no response nor remittance!

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V. Fox
June 8, 2019 @ 05:13
2.0  

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.

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..
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Yoga girl
June 7, 2019 @ 22:22
2.0  

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.

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..
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David
June 7, 2019 @ 20:32
2.0  

I have been with Liberty HealthShare for over 4.5 years. Up until the last 9 months everything worked well and I have had no complaints. Starting in September 2018, I have had unpaid bills some of which are now over 14 months old. II have called countless times and been promised a course of action and that payment would be forthcoming. Unfortunately, weeks go by and nothing has been done, no payments made, files still showing inaccurate information, items that were to be corrected and reprocessed and paid, still not reflecting what was discussed. I have spoken with two different supervisors who assure me that all has been taken care of and weeks later now payments made. This has become an exasperating experience! BEWARE of Liberty HealthShare!

I have been with Liberty HealthShare for over 4.5 years. Up until the last 9 months everything worked well and I have had no complaints. Starting in September 2018, I have had unpaid bills some of which are now over 14 months old. II have called cou..
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Mark Sanders
June 6, 2019 @ 17:56
1.0  

I have been with Liberty Health Share for about 3 years. Other than the long time they take to process or pay bills submitted to them, on average 45-60 days, I had not had any issues. However, the last 10 months working with them has been beyond frustrating and difficult. My daughter had an emergency room visit in August 2018 and we submitted the bill to Liberty as soon as we received it, just like all others, this one was a little over $2000. Not sure what happened, I can only speculate that they finally weren’t making enough money off us, all our other previous bills were less than $300. We kept getting bills every month from the hospital and when I followed up Liberty after their usual time frame they seemed to have lost our bill. Therefore, I resubmitted it again with documentation of my original submittal date. No effort was made to expedite the bill that they lost, it went back into their very long queue. Every time I contacted Liberty I got a new excuse and a new promise that this customer service representative was doing everything they could to expedite this bill. Fast forward to today, 10 months later, there has been no progress made, my bill has been submitted to collections and we are getting bombarded by collection calls. Liberty does not care at all, recently they have stated that they cannot process it because they do not have an itemized bill. But they do not inform you of this, I had to learn it in my weekly check in with them (seems like common sense customer service, if you need something from the customer you would inform that customer of the need). After talking yet another incompetent customer service representative through my situation and asking where I can send an itemized bill to, they read from my account that the same itemized bill is attached 3 times (from previous conversations I have had with them) and they are not sure why this isn’t being processed. I was promised again that now the bill will progress, but this is another promise in a long line of them that I have a very tough time believing. Please, do not subject your credit, family, and emotional health to this awful company. I will say that at least the customer service representatives are very nice as they lie through their teeth and screw you over. If this bill ever gets resolved my family and I will be moving on from this company and I hope we can save someone else from making the same mistakes we did in using Liberty Health Share.

I have been with Liberty Health Share for about 3 years. Other than the long time they take to process or pay bills submitted to them, on average 45-60 days, I had not had any issues. However, the last 10 months working with them has been beyond fr..
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Chris
June 5, 2019 @ 14:19
2.0  

We moved to Liberty healthshare a few years ago to cut some costs and now after three years of paying their monthly “Share” costs and never asking for a single share amount back they discounted a bill as expected and then we find out that they actually have no power to do this with the vendor and won’t back their discounted price that we paid up. Now we are told they only can suggest a discount, so a collection agent has been calling even though every time I call into Liberty they say it will be taken care of. They are the most organized on the surface but I would not recommend them if you actually want them to be of any basic value in lowering your end price. (this one was $1200 for 4 stitches that was discounted to $400. We paid the discount and now they are going after us for the rest). I would not recommend Liberty and you may not know it until it is too late.

Also, be aware the Essentia Healthcare does not honor Liberty Healthshare and will go for every penny of their highest price even though you will receive a discounted pay amount.

We moved to Liberty healthshare a few years ago to cut some costs and now after three years of paying their monthly “Share” costs and never asking for a single share amount back they discounted a bill as expected and then we find out that..
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Ana
June 4, 2019 @ 18:32
2.0  

The concept of Liberty Healthshare is good. Unfortunately, the execution is horrible. They started good and I was happy and felt at peace. For the last 1 1/2 years, it has been nothing but horrible experiences. I am still waiting for over $13,000 of “share” that has been approved and not paid yet. Not a quality company!

The concept of Liberty Healthshare is good. Unfortunately, the execution is horrible. They started good and I was happy and felt at peace. For the last 1 1/2 years, it has been nothing but horrible experiences. I am still waiting for over $13,000..
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Nunna Yerbiness
June 4, 2019 @ 04:07
3.0  

It started out fine, I became a member in 2017 mid year. Had a physical paid for, no major stuff but then in 2018 I got a letter that my SHARE was to go UP $50 a month, and I called and was told that I could keep on with $199 and that in July 2019, then it would increase. I had the shares on auto-pay FROM my checking account, and then in early May, I looked at an email account I rarely use (associated with LHS) and they had EMAILED me on MARCH 31 that they CANCELLED my MEMBERSHIP!! An email?! So, that was awful–left me feeling vulnerable and rather MAD that this is how a “Christian” HC ministry would “do” a person! Since then, they have REFUSED despite 10 polite requests followed by 25 DEMANDS for $418.07 for the April and May shares they TOOK after THEy cancelled me, they have STILL not given my monies back, and the e-bill-pay through my credit union has filed COLLECTIONS against ME for the amount! I gave them many opptys: said “let me catch up the $50 a month and stay active (still shows EXPIRED 3/31/2019 in June 2019 so they refused to be reasonable despite having NO claims for almost a year!) and since then I HAVE REPEATEDLY INSISTED they refund my 2 shares and they won’t call me back, and I STILL show as EXPIRED! I finally today filed a claim with the Ohio BBB. This has taken SO MUCH negative energy and God-given Life-Time that I have ZERO positive to say about them. DO NOT JOIN. Keep your own $250 a month in a private savings in case you need it. And if you Do go to the hospital, why give your ID or social security number? The illegals and homeless and lazy take ADVANTAGE of our system and BURDEN us. I AM SORRY to say that in the case of American healthcare, the illegals and homeless have us so overburdened there is NO HOPE for any of us who want to do the right thing. Like me. And after this screwing by Liberty out of my hard-earned $418.00, I cannot see a reason to trust another healthshare. FYI on your taxes, just say, YES, I had coverage all year, which I did, or did I? You see? There is NO PROOF required to file your overpriced taxes ANYWAY . And pray/hope you stay well and live a healthy lifestyle 🙂 God bless the people of Good Will.

It started out fine, I became a member in 2017 mid year. Had a physical paid for, no major stuff but then in 2018 I got a letter that my SHARE was to go UP $50 a month, and I called and was told that I could keep on with $199 and that in July 2019, t..
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Dallas Bennett
June 3, 2019 @ 15:15
3.0  

Don’t even bother with this company. Horrific customer service. I have been overcharged (or so I thought) for the past several months. Being a healthcare professional, I have very little time to call every time there is a problem with my account. I was told on several occasions that I was to be paying $199 a month and I was “accidentally” charged $249. Each month since February I have called to have this fixed as the representatives claimed it was a mistake on their end and I was to receive a refund check of $50. I have never seen a check and I am still being charged $249. This morning I was finally able to get through to a supervisor and they just told me “I’m sorry for the mistake but your monthly bill is $249. I’m sorry someone told you different.” Wonderful.

Aside from the money issues, I have called in several times between October and December of last year to fix my online account and they have found multiple accounts under my name. On more than one occasion, more than one account were opened under my name and were asking to be paid. To their credit, these problems were fixed promptly (once I was finally able to get a hold of them on the phone). I would love to leave a voice message, since I mostly work through their hours of operation. But the voicemail box is almost always full.

I would recommend steering clear of this company. The staff are not on the same page as one another, it takes far too long to get into contact with anyone, and it is an overall headache.

Don’t even bother with this company. Horrific customer service. I have been overcharged (or so I thought) for the past several months. Being a healthcare professional, I have very little time to call every time there is a problem with my accoun..
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Marta Garland
June 2, 2019 @ 01:20
3.0  

It is not good. Have been with Liberty for 2 years. The first year went OK, but the second year am having a difficult time getting reimbursed. Fortunately my only medical bills are for annual physicals, and I pray that I don’t get sick or need medical care under this system. Let’s face it. If the” Affordable Health Care Act” hadn’t quadripled the cost of health insurance for small business owners and self employed people there would be no need for Liberty Health Share.

It is not good. Have been with Liberty for 2 years. The first year went OK, but the second year am having a difficult time getting reimbursed. Fortunately my only medical bills are for annual physicals, and I pray that I don’t get sick or ne..
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Lori
May 29, 2019 @ 20:27
1.0  

BEWARE BEWARE BEWARE!!! AND RUN… HAS BEEN THE BIGGEST HEADACHE & STRESS!!! WE HAVE OUTSTANDING BILLS FROM 1 YEAR AGO NOW THAT HAVE BEEN IN COLLECTIONS FOR MONTHS THAT ARE THEIR RESPONSIBILITY! YES 2 OF MY DAUGHTERS STARTING OUT AS YOUNG ADULTS HAVE TO DEAL WITH DAMAGE TO THEIR CREDIT UNLESS WE PAY WHAT WE DO NOT OWE!!!! THEY TRAIN THEIR PEOPLE TO HAVE GOOD CUSTOMER SERVICE SKILLS TO TRY & MAKE YOU BELIEVE THINGS ARE IN PROCESS! THEY LIE!!!! IT HAS BEEN A TRUE NIGHTMARE IN EVERY WAY IMAGINABLE! THE FACT THAT THEY CLAIM TO BE A CHRISTIAN ORGANIZATION IS A SAD SAD THING! WE JUST NEED TO MOVE ON & FIND A COMPANY THAT DOES WHAT THEY SAY THEY WILL DO, WHICH PERHAPS IS THEIR MODUS OPARNDI, TO JUST FRUSTRATE & EXHAUST YOU ENOUGH TO JUST LEAVE. I HAVE RESUBMITTED THINGS SO MANY TIMES, TALKED TO MANY MANY PEOPLE & SENT MANY E-MAILS. IN THE BEGINNING OUR BUSINESS RECOMMENDED THEM TO A LOT OF CLIENTS THINKING THEY WERE WHO THEY SAID THEY WERE. WE TRULY REGRET THIS & WE ARE DEFINITELY NOT ALONE!!!! THEY WON’T BE IN BUSINESS MUCH LONGER…

BEWARE BEWARE BEWARE!!! AND RUN… HAS BEEN THE BIGGEST HEADACHE & STRESS!!! WE HAVE OUTSTANDING BILLS FROM 1 YEAR AGO NOW THAT HAVE BEEN IN COLLECTIONS FOR MONTHS THAT ARE THEIR RESPONSIBILITY! YES 2 OF MY DAUGHTERS STARTING OUT AS YOUNG AD..
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Eileen Bedinghaus
May 28, 2019 @ 17:49
2.0  

I have been a LHS member for over 3 years. Everything was fine until I had health issues requiring surgery last year it has been a NIGHTMARE. Claims take forever to be paid (I have one that is over 12 months and still not resolved). You cannot speak to a supervisor- it is ‘not permitted’. I have been Reported to collections and have had my credit damages. It’s AWFUL. They do not operate with Christian principles as they hide, deny and offer no assistance other than more run around by there ‘mediator’ and because they are not an ‘insurance company’ the legal accountability is non existent. AWFUL AWFUL AWFUL

I have been a LHS member for over 3 years. Everything was fine until I had health issues requiring surgery last year it has been a NIGHTMARE. Claims take forever to be paid (I have one that is over 12 months and still not resolved). You cannot spea..
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al shelley
May 22, 2019 @ 22:12
2.0  

my experience has been the worst experience I have ever had with a company and I am 62 years old. I have done more work to get bills paid than liberty and the company they hand off the mess to mcs. Two have gone into collection and a third on the way. I have never written an unfavorable review on any company as I am a Corporate CEO and can appreciate the challenges of running a company but have to make an exception here. Wouldn’t want anyone else to experience this. Sad it’s promoted as a christian company and run so poorly as to reflect on christian’s in this way. Do yourself a favor and look elsewhere for a health insurance provider. Oh and by the way, the standard line is “we are not an insurance company” as an excuse why bills are not paid in a timely manner. I really don’t expect them to be able to stay in business if others are experiencing what I have had to go through.

my experience has been the worst experience I have ever had with a company and I am 62 years old. I have done more work to get bills paid than liberty and the company they hand off the mess to mcs. Two have gone into collection and a third on the..
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MARK KRUMREICH
May 22, 2019 @ 21:36
3.0  

I have been a member of Liberty Health Share (LHS) for 4.5 years and was a member of MediShare for at least 7 years prior to that. I switched to LHS because the premiums and deductibles were both MUCH LOWER. However, be prepared to wait VERY LONG times for bills to be paid. I have already had one bill go to a collection agency and will have another go to a collection agency in 2 days because of mistakes made by LHS. One can avoid the collections route by paying the bill yourself and then waiting a VERY LONG TIME for LHS to reimburse you (that is, if you have the money to actually pay the bill).

The latest bill that will go to collections was for a procedure 9 months ago. I have talked to LHS now 4 times about this and it was THEIR MISTAKE that they initially denied the bill. Then, every time I called, I got different information about the bill being “IN PROCESS”. Lastly (six weeks ago) I was told that the bill was PROCESSED, AUTHORIZED FOR PAYMENT and that they were just “waiting for the check to be issued”. That was six weeks ago and, after trying to get someone to actually talk to me for the last three days, I finally got a rep and they told me the bill was marked as “DUPLICATE” after I talked to them 6 weeks ago. Did they bother to inform me of this? No! Today, I have been told that the bill will be “put on a processing format and marked as urgent”. I wonder what their definition of “urgent” is???? I will find out. I will find out which collection agency is pursuing this for payment from ME first, I am quite sure.

Having had traditional insurance and MediShare medical sharing plans, I can tell you that I never had so many problems and such long processing times and so many mistakes made by them as I have with LHS. Unfortunately, LHS seems to be the least expensive with the lowest deductible (AUA) of the ones I have checked out. As the saying goes: “You get what you pay for”!

I have been a member of Liberty Health Share (LHS) for 4.5 years and was a member of MediShare for at least 7 years prior to that. I switched to LHS because the premiums and deductibles were both MUCH LOWER. However, be prepared to wait VERY LONG t..
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Ho
May 22, 2019 @ 16:40
2.0  

I started to use Liberty in late 2017 and had my first wellness check in August 2018. The nightmare started then. My wellness check was done in Atrium which somehow took my Liberty card without paying upfront. Atrium sent the bill (about $300) to Liberty. I suppose Liberty would take care of it as long as it is within the $400 limit for wellness check. However, Liberty repriced to $100+ and paid without the consent of Atrium. Then Atrium started sending their balance bill to me from February 2019. When I got the bill, I informed Liberty and Liberty referred me to send the bill to its partner, The Medical Cost Saving (MCS) Solutions Limited for negotiation with Atrium. I followed this Liberty’s standard procedures immediately. MCS responded pretty quickly and notified me that they have concluded with Atrium and passed back the case to Liberty to follow up. However, I could not see any updates in the Liberty system and kept on receiving the same bill from Atrium every month until April 2019. I called Liberty every time I received the bill and Liberty could not tell the status of the case and simply asked me to wait for their normal processing time of 60 business days. Then, in May 2019, I received a collection notice from Atrium’s collection agency, that I need to settle the bill within 30 days from the letter or else they will file to my credit report. What?! A wellness within $400 is well written in all websites of Liberty that it should be fully covered. Now, the bill of wellness check is not fully covered and is going to crash my credit report. My case has not yet been settled as of today 2019-5-22.

So, if your credit rating is poor, then I have no comment on joining Liberty Healthshare program. But if your credit rating is good like me, I suggest you think twice. It could be a nightmare.

I started to use Liberty in late 2017 and had my first wellness check in August 2018. The nightmare started then. My wellness check was done in Atrium which somehow took my Liberty card without paying upfront. Atrium sent the bill (about $300) to Lib..
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Chris
May 21, 2019 @ 14:14
3.0  

Stay away. I have been a member since 7/18 Submitted wellness receipts and it has been 6 months with the same run around. either the code is wrong or it is in processing. In February they totally screwed up the personal portal software and it still is only partially functioning with no way to track a claim. Communication is the worst. However they are very efficient at collecting money. I’m out ! these people give Christains a bad name. They are a bunch of BS artists.

Stay away. I have been a member since 7/18 Submitted wellness receipts and it has been 6 months with the same run around. either the code is wrong or it is in processing. In February they totally screwed up the personal portal software and it still..
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Jim Gross
May 17, 2019 @ 22:02
1.0  

Still a member of Liberty HealthShare… don’t really know why though. My wife has been taken to collections twice now for bills they still have not paid but were reimbursable. I have had multiple conversations and resubmitted claims on their site several times. You cannot ever actually talk to their accounting department. There is nothing transparent when you have to baby sit your bills for a year. Their new claim system, sadly is… broken and there doesn’t appear to be a reimbursement time in there plan. I scored their price a 1 because the value is not there. Even at a reasonable price of $250/month if they don’t pay their bills then it’s a terrible value. We are waiting for them to get claims paid out to us going back to November of last year. We are hoping to maybe see some reimbursement checks for small claims made in 2018… maybe in 2020 some time?!

Still a member of Liberty HealthShare… don’t really know why though. My wife has been taken to collections twice now for bills they still have not paid but were reimbursable. I have had multiple conversations and resubmitted claims on the..
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Mark
May 15, 2019 @ 18:19
3.0  

I’ve been a Liberty HealthShare Complete member (the best, most inclusive program they offer) for over 3 years. Last year I developed loss of strength and numb fingers in my right hand. (I’m right handed.) I saw a specialist who told me I needed carpal tunnel surgery. I shopped around for the cheapest provider, then called Liberty with the total cost, and got preapproval to have the surgery. I paid for the surgery myself, and a week later, when I could use my hand again I submitted the claim with full documentation, along with my preapproval code to Liberty.

That was 5 months ago (I’m not exaggerating. It’s actually going on 6 months.), and even though they admit they preapproved the surgery for the specified price, which was at the very low end of average for carpal tunnel surgery, they haven’t managed to reimburse me. Somehow they still manage to debit my credit card for my monthly dues, but they can’t seem to figure out how to send me a check for my preapproved claim.

I’ve sent 2 snail mail letters asking why I haven’t been reimbursed. Both were returned, marked “addressee unknown”. At first I called every few weeks to see when they planned to reimburse me the agreed amount. All agreed they owed me the money, but none of them could tell me when they’d pay me. Now I call every few days. They all say the payment has been approved, but none of them can tell me when it will be issued.

In summary, the dues are low, and submitting a claim is easy, but I no longer believe these people are honest. I’ve paid over $7,000 in dues to them and submitted far less in claims, all preapproved, and for some reason they can’t seem to reimburse me . If you want to try health sharing, I suggest you try a different organization. It may be a bit more involved, but hopefully it will actually reimburse you for your medical expenses.

The minute they send me a check (whether it bounces or not) I will cancel my membership and find another provider.

I’ve been a Liberty HealthShare Complete member (the best, most inclusive program they offer) for over 3 years. Last year I developed loss of strength and numb fingers in my right hand. (I’m right handed.) I saw a specialist who told me I..
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Tamara
May 7, 2019 @ 20:29
2.0  

I am at a complete loss. There are about 2 people in the whole company who will get back to you. Horrible customer service, expect to be transferred back and forth about 10 times. I have lost complete confidence in Liberty Healthshare and will be shopping for a new program as soon as possible.
I am so disappointed in the customer service.

I am at a complete loss. There are about 2 people in the whole company who will get back to you. Horrible customer service, expect to be transferred back and forth about 10 times. I have lost complete confidence in Liberty Healthshare and will be ..
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Greg
May 7, 2019 @ 15:36
2.0  

They eventually kinda help you. I have sent in like 40 emails. Most of the time no one answers the phones. You can wait weeks for an email. It is mostly a scam. Super poor work ethic. Complain about me submitting bills. Won’t help when needed. They help in like 3 months. I still have no credit 5 months later for bills. I would say they are Not a Christian company as well, at least they have no Christian ethic

They eventually kinda help you. I have sent in like 40 emails. Most of the time no one answers the phones. You can wait weeks for an email. It is mostly a scam. Super poor work ethic. Complain about me submitting bills. Won’t help when needed. ..
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Sherry L Carroll
May 6, 2019 @ 21:41
2.0  

Terrible customer service!!! When you call their phone just rings and rings and no one ever answers. They will not respond to emails and they continue to bill me THREE MONTHS after I canceled my membership even though I have confirmation of cancellation. I have spent hours calling and emailing Liberty with no response, I thought this was until I received another charge from them on my credit card today. Just looking at the other comments it appears this happens a lot and has all the signs of a scam.

Terrible customer service!!! When you call their phone just rings and rings and no one ever answers. They will not respond to emails and they continue to bill me THREE MONTHS after I canceled my membership even though I have confirmation of cancell..
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Beth Parentice
May 2, 2019 @ 22:08
2.0  

VERY DISAPPOINTED!!! After reading other negative reviews, I know I am not alone. If it were possible to give negative stars I would! It took over a year to reimburse a $6,500 expense that was 100% covered according to the sharing guidelines ( and in an email from their pre-notification department). In the meantime I have taken countless days off of work and hours on the phone working with them to get this claim paid. I spoke with several so-called supervisors who were not at all helpful and did not return any of my calls. They said that due to a “glitch” in the system, it fell through the cracks and went into collections and now I am being served a summons to appear in court on June 13th even though I have paid the medical expense!! I am now being sued to pay the legal fees of Swedish American hospital in Rockford Illinois. Liberty will do nothing about this and has been extremely difficult to work with. Furthermore, I am finding many mistakes on other claims that I have submitted. What happened to honesty and compassion when claiming to be a so-called Christian? If I treated any of my clients in this manner I would be out of business.

VERY DISAPPOINTED!!! After reading other negative reviews, I know I am not alone. If it were possible to give negative stars I would! It took over a year to reimburse a $6,500 expense that was 100% covered according to the sharing guidelines ( and ..
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Vicki Kygar
May 1, 2019 @ 21:43
3.0  

I understand with ACA not being affordable, the enrollments in the Healthshare Ministries (HSM) have increased exponentially & in turn, the HSM companies are having a difficult time hiring enough people to handle billing.
-That said, it is very interesting they have no problem in signing up members & want their members to have a spiritual belief & have healthy lifestyle practices. Having a spiritual belief system entails an ethical code of conduct, which should include timely payment of bills.
-I have been with Liberty Healthshare Ministries (HSM) for over three years. Everything is fine with them – as long as you don’t don’t need them to pay for any required surgeries , lab procedures or doctors.
-Liberty HSM expects you to pay your monthly bill in a timely manner, but does not follow Christian ethics in honoring their contracted agreements to pay doctors & the Surgery Center of Oklahoma (SCO) within 30 days.

I had a pre-approved surgery at the Surgery Center of Oklahoma (SCO) on December 13, 2018. As of May 1, 2019 Liberty has still not paid the SCO bill.
-SCO has worked with Liberty HSM before & says they are known as extremely slow-pays.
-SCO has a contract with Liberty HSM to pay the bills within 30 days – yet Liberty HSM is not honoring their end of the bargain. Very unethical.
-SCO submitted the bill on December 19, 2018 & has sent friendly reminders every month. I have called Liberty several times & cannot reach them by phone to discuss this issue (I have waited on hold for over 30 minutes several times – & I am very polite).

This is extremely embarrassing to me as a customer dealing with a reputable center such as the Surgery Center of Oklahoma & yet Liberty HSM is behaving in an unethical manner.
– I thought Liberty expected its members to have a spiritual belief in a higher being – which entails not only practicing healthy lifestyles, but also to be ethical & pay one’s bills.
-Unfortunately, Liberty HSM does not behave in an ethical manner by ignoring its 30-day payment contractual agreement with SCO (as well as not reimbursing my expenses).

Needless to say, I am very disappointed in Liberty HSM.

I understand with ACA not being affordable, the enrollments in the Healthshare Ministries (HSM) have increased exponentially & in turn, the HSM companies are having a difficult time hiring enough people to handle billing. -That said, it is very i..
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Anonymous
April 30, 2019 @ 19:39
1.0  

Not only have I endured many lies from Liberty Healthshare representatives, but supervisors never return calls. Problems are not taken care of. No one there seems to know how to do their job. I have spent days on the phone with them, not hours or minutes. I am not at all getting what I pay for and we are looking elsewhere since this has been going on for years and hasn’t changed or improved.

Not only have I endured many lies from Liberty Healthshare representatives, but supervisors never return calls. Problems are not taken care of. No one there seems to know how to do their job. I have spent days on the phone with them, not hours or ..
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lesa
April 25, 2019 @ 18:24
2.0  

I have been calling since September, 2018 to get a lab invoice paid during my annual wellness exam that was coded incorrectly by Liberty and fell under my AUA. Each time I called I was told that they would escalate and re-code and pay. I AM NOW IN COLLECTIONS. I call daily trying to confirm that they are working on this, only to be put on hold, transferred to another person. NO RESOLUTION. Will have to pay invoice myself!!!

I have been calling since September, 2018 to get a lab invoice paid during my annual wellness exam that was coded incorrectly by Liberty and fell under my AUA. Each time I called I was told that they would escalate and re-code and pay. I AM NOW IN..
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Kathleen B Kelly
April 24, 2019 @ 18:45
2.0  

I cannot imagine this company being able to continue for very long unless some changes are made. I have had outstanding charges since July and August of 2018 and a wellness check bill from September of 2018 that is yet to be paid. I was told this morning that they JUST BEGAN the processing of my September expenses last week, and that it would take another 60 days to process. Really? Also, I have also not come across a doctor anywhere that wants to work with them. They have all refused so far. I really wanted them to work out for us but I can’t handle their inefficiency much longer unless things drastically change. My advice to anyone at this point is look elsewhere. If anyone from Liberty reads this review I would love for you to answer these issues. Nobody I’ve spoken to at your office has any helpful information for me. They all just say “I’m sorry, I do understand your frustration”, which doesn’t help AT ALL. It’s just a platitude.

I cannot imagine this company being able to continue for very long unless some changes are made. I have had outstanding charges since July and August of 2018 and a wellness check bill from September of 2018 that is yet to be paid. I was told this m..
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A real live rocket scientist
April 24, 2019 @ 01:16
4.0  

Some of the previous posters have commented on the difficulty of stopping LHS payments once they have been enrolled in the automatic deduction or automatic billing after leaving the program.

PEOPLE!!! It really doesn’t have to be that difficult. There is a tried and true methodology to cancelling an automatic draft. FIRST: Alert your bank or credit card company and tell them to NO LONGER HONOR the draft. Give a SET DATE.
SECOND: Follow up IN WRITING via e-mail and snail mail. Send a copy to your bank, credit card company, and to LHS. Be sure to copy all parties involved, so THEY ALL KNOW who has been informed and what your intent is.
THIRD: If necessary, send all snail mail correspondences via registered mail with a return receipt, so that you KNOW it has been received. That way, a claim cannot be made that the ‘notice in writing’ was not received.

The bank has a vested interest in handling your accounts. You are a valued customer, and they are there to help you. Same with the credit card companies. They do not want to lose a customer over unauthorized charges. They are on YOUR SIDE, not on the side of the merchant. Bank and credit card fraud and discrepancies are nothing new. Stop playing the financial victim and take control of your health AND your finances. It’s not rocket science.

Some of the previous posters have commented on the difficulty of stopping LHS payments once they have been enrolled in the automatic deduction or automatic billing after leaving the program. PEOPLE!!! It really doesn’t have to be that difficu..
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Wilma Flintstone
April 24, 2019 @ 00:10
4.0  

I’ve been with LHS for about 3 years now and I have not had a problem. I bragged that I was the healthiest person I knew, until I wasn’t. August 2018, I ended up in the hospital for 3 days; to make it worse, this occurred while I was traveling. I submitted my membership card, and that was the last I saw of any paperwork. Nervously, I waited for the bills to roll in. When they did, I was stunned to see that the total cost of my stay was $25,000. It had been negotiated down to $20,000, and was PAID IN FULL – NO QUESTIONS ASKED!!! The bills were paid within 6 weeks. I had to return for follow up care, and that too was completely paid.

Because of how impressed I was and still am at how my situation was handled, I have been signing up my management team. I’m hanging on and defending LHS, however, like most of the previous comments, I’ve noticed a disturbing trend in communication – NO retuned phone calls, NO response to emails. I get that they’re growing, and probably inundated with massive amounts of paperwork – claims and applications – but unless they become more responsive, they’re going to lose existing and prospective clients.

I’m really hoping that LHS can get through this hurdle, because health-sharing is the best solution to this embarrassingly broken health care system which our country presently offers.

I’ve been with LHS for about 3 years now and I have not had a problem. I bragged that I was the healthiest person I knew, until I wasn’t. August 2018, I ended up in the hospital for 3 days; to make it worse, this occurred while I was tr..
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Sara D Bloom
April 18, 2019 @ 19:00
3.0  

We have had Liberty for over a year and we are pleased overall for the price. We could no longer afford BCBS and needed an alternative. Liberty has been that for us. It’s half the price of what we were paying for our family. However, my daughter had an ER visit in December, we submitted the bills in January… Here we are in mid-April and sitting in collections waiting on Liberty to send their payment in. I can see that it’s been approved for sharing, the payment has simply not been sent yet. Very frustrating.

The support staff is always very kind. You can expect a 30 minute before talking to someone though.

We have had Liberty for over a year and we are pleased overall for the price. We could no longer afford BCBS and needed an alternative. Liberty has been that for us. It’s half the price of what we were paying for our family. However, my daughte..
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Healthshare Memeber since 2017
April 17, 2019 @ 21:09
1.0  

PLEASE LISTEN PEOPLE. THIS COMPANY IS GOING DOWNHILL! GET OUT NOW AND IF YOU’RE CONSIDERING IT DO NOT SIGN UP!!!! TERRIBLE OPERATIONS AND TERRRIABLE CUSTOMER SERVICE. THEY FOUND OUT THAT PEOPLE WERE SUBMITTING BILLS THAT WERE NOT REAL AND LOST MONEY. THIS IS WHAT I’VE HEARD AND WOULDN’T SURPRISE ME IF IT’S TRUE. LOOK ANYWHERE ON THE INTERNET AND YOU’LL SEE THE REVIEWS ARE CONSISTENT AND GETTING WORSE!!! MY WIFE AND I HAVE YET TO GET REIMBURSED FOR THE BIRTH OF OUR 2ND SON IN OCTOBER OF 2018.

PLEASE LISTEN PEOPLE. THIS COMPANY IS GOING DOWNHILL! GET OUT NOW AND IF YOU’RE CONSIDERING IT DO NOT SIGN UP!!!! TERRIBLE OPERATIONS AND TERRRIABLE CUSTOMER SERVICE. THEY FOUND OUT THAT PEOPLE WERE SUBMITTING BILLS THAT WERE NOT REAL AND LOST ..
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Mark Englund
April 16, 2019 @ 11:06
2.0  

After two years with Liberty HealthShare I needed to go to the doctor. My doctors office submitted the bills to Liberty for processing as per Liberty’s guidelines. After two months of no response my doctors office called Liberty. They were subjected to a 45 minute wait time. When they finally got through Liberty did not provide them with an update, information, or time line. Liberty claimed software issues. I reached out to Liberty and experience the same long wait time and lack of answers. My follow up emails were unanswered. My e-mails were polite, concise with all the pertinent information. They were simply ignored! There is no excuse for that.

In the end I worked with my doctors office to negotiate a cash price, which I paid. Liberty HealthShare is a disappointment.

After two years with Liberty HealthShare I needed to go to the doctor. My doctors office submitted the bills to Liberty for processing as per Liberty’s guidelines. After two months of no response my doctors office called Liberty. They were s..
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Previous LHS member
April 16, 2019 @ 01:44
2.0  

Used to be a great company but now I’ve had nothing but troubles. Taking forever getting payments made to the hospital, having the challenge all the bills and resend back to them to cover the remaining balance. Recently both our major medical providers in the city stopped taking LHS because of payment issues. Was forced to leave them due to the poor customer service, slow processing time and lack of being able to go to a hospital that would work with them.

Used to be a great company but now I’ve had nothing but troubles. Taking forever getting payments made to the hospital, having the challenge all the bills and resend back to them to cover the remaining balance. Recently both our major medical..
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Audrey
April 15, 2019 @ 02:28
4.0  

The price has been good, although it is creeping up. I don’t bother to send in claims because I can afford to pay out of pocket for now, so 3 stars for submitting and 3 for reimbursement, because I’m neutral. I have sat on the phone for an hour waiting to get pre approval for chiro visits, and finally just gave up. Transparency is pretty scary. If you’re considering going with Liberty, do your research. The vice president plead the 5th on filing false claims in a healthshare run by her father and brother in 2007 (or so). The president also owns the company that does the repricing, plus he owned a car dealership with David Beers (the crooked brother of the now-vice president.. The vice president’s nephew and son-in-law own the company that does the balance negotiations, someone else in the family runs the media branch, etc., etc. Only you don’t know any of this until you start digging on the internet. You’d think they’d want to be upfront about that, since they claim transparency and all. Anyway LOTS of red flags, especially now that so many members are going on 7 months and more without reimbursement and are being turned into collections. Liberty is claiming it’s due to their new sharebox system, but I’m suspicious that they are diverting too much money to themselves. Oddly, they’re not paying out claims, but they’re advertising like crazy to get new members. I’m currently switching to another healthshare because I’m a little worried this one is going to tank.

The price has been good, although it is creeping up. I don’t bother to send in claims because I can afford to pay out of pocket for now, so 3 stars for submitting and 3 for reimbursement, because I’m neutral. I have sat on the phone for a..
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A Liberty Healthshare Member
April 10, 2019 @ 16:43
1.0  

I have called Liberty Healthshare Organization 6x on 4 Annual Wellness claims from Aug/Oct of 2018 that they have not paid 100% per their sharing guidelines. Each time I have called, I have been ‘assured’ that the claims were incorrectly processed and have been resubmitted for processing and will be paid in full 100%. Prior to this issue, I have had great customer service from Liberty but I am now increasingly concerned that they are ‘over-their-head’ in managing healthcare and claims payment. Due to lack of response and action from Liberty’s claims processing and customer service organizations, I have submitted my issue to the Better Business Bureau to look for resolution and payment to the providers. There is no reason that a provider should not be paid within 8 months OR that my credit rating should suffer because of lack of responsiveness.

I have called Liberty Healthshare Organization 6x on 4 Annual Wellness claims from Aug/Oct of 2018 that they have not paid 100% per their sharing guidelines. Each time I have called, I have been ‘assured’ that the claims were incorrectly..
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Lindsay Jacobs
April 9, 2019 @ 17:00
2.0  

Terrible customer service. Beware of this company. We have been with them for three years now and ever since 2018, when they started accepting tons of new applicants, the service and reimbursement has tanked. Providers complain that it takes up to a year for reimbursement and as a member, I am waiting 5 months now for payment for services rendered. There is no excuse for this. There is zero accountability and no matter how many supervisors I have talked to, nothing is resolved. We are seeking out alternative ministries to join.

Terrible customer service. Beware of this company. We have been with them for three years now and ever since 2018, when they started accepting tons of new applicants, the service and reimbursement has tanked. Providers complain that it takes up to a ..
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Shannon Hamilton
April 8, 2019 @ 02:42
3.0  

Been waiting over 4 months for simple bill reimbursement. No one can give you a straight answer when you call. They simply tell you since they aren’t insurance they can’t guarantee when you’ll get reimbursed. Terrible customer service in my opinion.

Been waiting over 4 months for simple bill reimbursement. No one can give you a straight answer when you call. They simply tell you since they aren’t insurance they can’t guarantee when you’ll get reimbursed. Terrible customer servi..
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william jacobs
April 5, 2019 @ 16:16
2.0  

Absolute garbage! I have waited six month for reimbursements. Customer service says they are not able to give timeline and have been no help. Please do yourself a favor and find a better provider!!

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Brad J
April 5, 2019 @ 16:13
2.0  

I signed up for Liberty Health Share three years ago. I made payments on time for the entire time. I also referred two families to the program who both signed up. The pricing model is ideal.

However…. This is the reason for the 1 stars.

– They say they will work out balance bills. I sent copies of balance bills into the program twice and NEVER heard back…. Next thing I know I am being contacted by a collection agency to collect. Crappy credit score as a result. This happened TWICE!

– Also, it took them a very long time to process things with any doctor or clinic I ever went to. The doctors CONSTANTLY complained to me about LHS and how they were wanting to essentially get the price almost down to cost.

– AND the worst part of it all! I needed to cancel service, called in December to cancel on December 31st. They said they would email me the paper work, which they never did. Then I called again first day of January and they then emailed me the paperwork a week later. I PROMPTLY filled out the paperwork and sent it in. They STILL charged me for January $474 and they REFUSE to refund it at all!!!!

They call themselves Christians, however when I asked for a refund for January, they turn into greedy Pharisees. I am not even asking them to forgive a debt… I am simply asking that I get my money back that I was charged but for no service (that is called stealing). I seem to remember Moses saying something about stealing…. huh.

I signed up for Liberty Health Share three years ago. I made payments on time for the entire time. I also referred two families to the program who both signed up. The pricing model is ideal. However…. This is the reason for the 1 stars. R..
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Korynne Feliu
April 4, 2019 @ 18:39
3.0  

I signed up for Liberty in June of 2018 and am now expecting a baby. My first birth we paid for with cash savings because the ACA wasn’t as affordable as self pay. This time, we signed up for Liberty so that we could have more peace of mind in case we have any complications.

I submitted several bills beginning in Oct 2018 and now, as of April 2019, the claims are still pending. I am not a person who leaves my bills unpaid and I feel like it’s highly unethical to leave a provider hanging like this. I’m at the point where I need to return for some labs to a place with unpaid bills and I’m afraid they won’t fill my lab order from my midwife.

My biggest fear is that they will come up with a reason not to pay my maternity bills and my $300 monthly share will go down the toilet.

I would have shopped somewhere else if I would have known this was the case but I’m locked in at the moment with a baby due next month.

Also, their rates went up significantly without notifying me, it was very shady. Obviously, I couldn’t pull out because I now have a pre-existing condition.

I’ll update my review if something changes but so far I’ve been stressed about unpaid bills and fear that they won’t cover anything in the end.

I signed up for Liberty in June of 2018 and am now expecting a baby. My first birth we paid for with cash savings because the ACA wasn’t as affordable as self pay. This time, we signed up for Liberty so that we could have more peace of mind in case..
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Nadine
April 4, 2019 @ 11:36
3.0  

Way too long to get money back! Communication is horrific. Wait time to call 30 min. Claims missing after submission? I understand they are switching systems but, it shouldn’t take months. Emailed several times no response. Looking for a new option as I don’t trust the process

Way too long to get money back! Communication is horrific. Wait time to call 30 min. Claims missing after submission? I understand they are switching systems but, it shouldn’t take months. Emailed several times no response. Looking for a new optio..
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Sue Nelson
April 2, 2019 @ 15:25
3.0  

We’ve been with them for a year. I’ve really tried to give them the benefit of the doubt, because I believe in medical shares, BUT, they are terrible. They do NOT reimburse. I am still waiting 6 months for things to be paid back to me. Also, if they need something from you (ie: additional paperwork) they just don’t tell you. They just let them claim sit there. I am at the point where I am looking for other options b/c I am frightened that if anyone in my family ever gets sick or hurt we’ll be in big trouble. DO NOT SIGN UP FOR LIBERTY!

We’ve been with them for a year. I’ve really tried to give them the benefit of the doubt, because I believe in medical shares, BUT, they are terrible. They do NOT reimburse. I am still waiting 6 months for things to be paid back to me...
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Drew Poletto
April 1, 2019 @ 22:01
1.0  

Beyond frustrating! They said you have one check up per year that is 100% covered. I called Liberty the day before my doctors appointment for this checkup, just to be sure of this. “Oh, no worries, you’re covered”. I called a month afterwards to see if they received all the bills, and they said they had. 2 months later (3 months after the original doctors appointment), I get a bill from the medical place. What!? I called Liberty and got the “Oh, it looks like it was coded wrong. I’ll change it and resubmit it. Should take about 2 weeks” Today (4 months after doctor appointment), I get another bill from the medical place, they aren’t too happy. I called Liberty, “Oh, we don’t know why it’s taking so long. It must be processing departments fault. There’s nothing I can do.” I asked to talked with someone who can speed this up. “My supervisor’s name is Tammy, but I’m sorry, I can’t connect you to her, she’s already busy and she couldn’t do anything anyway.” WTF! He would not give me Tammy’s full name or contact info. Very unprofessional company. I do NOT recommend them! I’ve paid faithfully, every month without fail. Never had a claim and then the first one I submit, after 4 months they STILL haven’t paid! It’s time to find a new place, this is such a rip off!

Beyond frustrating! They said you have one check up per year that is 100% covered. I called Liberty the day before my doctors appointment for this checkup, just to be sure of this. “Oh, no worries, you’re covered”. I called a mo..
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Pat M
March 29, 2019 @ 22:08
2.0  

My husband and I have been with LHS for just about 2.5 years. The pricing structure is very affordable, but that does make me wonder if that is at the expense of quality staff and service. The whole system seems pretty messed up, to be honest. A health care provider submits a bill to LHS, they make a payment (sometimes they do, sometimes they claim they didn’t receive the bill request.) This can take 2 -8 months. Then the provider sends you a balance statement which you need to submit to MCS. If they acknowledge receiving it, it can take up to 6 months or more to get any action from them I have been sent to collections 3 times because MCS has dragged its feet over processing. They have lied to me about reaching out to the hospital with an offer. The hospital says they have not heard a word from them. Some of our bills are going on 2 years from the date of service. I can’t blame the hospital for sending me to collections! It shouldn’t take that long to process. In the meantime, we are paying our monthly share amount faithfully, but I can’t help but wonder if they are financially stable. Every time I call either MCS or LHS, I get someone new, conflicting answers and no resolution. This process has been very frustrating. If I could afford to find another service I would.

My husband and I have been with LHS for just about 2.5 years. The pricing structure is very affordable, but that does make me wonder if that is at the expense of quality staff and service. The whole system seems pretty messed up, to be honest. A heal..
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Katie
March 29, 2019 @ 04:44
2.0  

Definitely cheap, and you get what you pay for. Claims are super easy to submit, yet they don’t get covered so there’s really no point in submitting them. I had a baby, submitted everything I possibly could submit and got $350 from Liberty Healthshare after 6 months of waiting. I was on hold for an average of 30 mins per phone call and they lie about your claim being processed. Would definitely NOT recommend.

Definitely cheap, and you get what you pay for. Claims are super easy to submit, yet they don’t get covered so there’s really no point in submitting them. I had a baby, submitted everything I possibly could submit and got $350 from Libert..
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Jane Burkhart
March 25, 2019 @ 19:27
2.0  

If you call be prepared to be on hold a very long time. I have called several times about getting our reimbursement money and get told the same thing every time. Today I’ve been on hold for over an hour and then the call gets dropped. They don’t hesitate to get your monthly payment but getting what’s owed to you is like pulling teeth. This is why we have dropped out of this program. Good luck

If you call be prepared to be on hold a very long time. I have called several times about getting our reimbursement money and get told the same thing every time. Today I’ve been on hold for over an hour and then the call gets dropped. They don’t ..
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Rashid
March 21, 2019 @ 14:55
2.0  

In a nutshell – STAY AWAY!
For us, liberty started as a great concept in 2018 and by Jan 2019, it has turned into a management nightmare.
Yes – liberty is pay and pray (that it gets reimbursed)

It sounds very enticing on paper, however in the course of a year with about 40 different visits to 7 providers, liberty has messed up with about 15 visits (some with the same provider). Btw – i am still trying to get them to process bills from Oct 2018 and its Mar 2019 !!

Here’s the scenarios:
(Straight forward)
You go the doc. Doc says sure we will submit to liberty or they call liberty and say you have a deductible. You pay the visit amount and you end of story

(Getting Complicated)
All of the above but you have an in-office treatment. You go home and in a few weeks you get a bill. You submit to Liberty. Liberty can go all hay wired at this point. Some bills they processed and paid and some went into neverland. I had to follow up every couple of weeks to get them to process it and finally have the provider paid.

(More Complicated)
You go to the doc or medical center. They dont take Liberty. You pay SOME services there. They balance bill you for the REST later. You send liberty the current bill (you might have to call the provider to get medical notes since liberty MUST see the CPT code). The balance bill comes in, you pay and then you submit the balance bill and then you repeat the call to the provider to get the balance bill CPT codes, then you upload to liberty and call liberty to connect the 2 bills using the same “D” bill code (its their internal billing numbering system).
When all is said and done, i have spent hours on the phone trying to get this done.

(Very Complicated)
Think of all the scenarios where you are trying to get a hold of detailed bills with CPT codes and trying to submit them and connect them at liberty.
One annual physical, the clinic took a $100 deposit because they werent sure if liberty will end up paying for all blood tests. Since this is not a “network”, there’s no guarantees what liberty will and willl not pay, so you are the mercy of the provider.

I am getting out of liberty after 1 year and not renewing due to all the intervention and hours i have to spend getting the billing updated.

In a nutshell – STAY AWAY! For us, liberty started as a great concept in 2018 and by Jan 2019, it has turned into a management nightmare. Yes – liberty is pay and pray (that it gets reimbursed) It sounds very enticing on paper, however in..
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Tim
March 18, 2019 @ 02:43
1.0  

They’re a total scam. I didn’t trust them after reading reviews. I had been a paying customer since Obama insurance went into effect because my insurance premiums went way up. So I signed up for this after someone had recommended it.
Well, I told them I was cancelling. They billed me on March 9th, and twice on March 15th.
I am going to try and reverse these charges on my CC. I hate talking to CC customer service, so we’ll see how that goes. But the service is unreliable. They reimburse you, at their discretion. And often times it’s not at all, according to reviews.

They’re a total scam. I didn’t trust them after reading reviews. I had been a paying customer since Obama insurance went into effect because my insurance premiums went way up. So I signed up for this after someone had recommended it. W..
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Heather
March 13, 2019 @ 18:18
1.0  

I have had the same problems with them. They will not answer the phone and it takes them over two weeks to respond to emails. I have been trying to cancel my membership and can’t get through to anyone on the phone and there is no way to do it online. I have called several times waiting on hold for 30-40 minutes with no one answering. I finally hang up, not knowing if someone is actually there or ever going to answer. I finally talked to someone yesterday and they told me that they can’t refund me for my dues because I did not have it sent to them in writing in time for them to cancel. I talked to 3 supervisors and they told me I should have stayed on hold longer than 35 minutes. I am starting to think this is a big scam. I have had bills submitted to them since December. I had one of my doctor bills sent back to me saying they refused it because it was a pre-existing condition, it was for an ear infection. I don’t know how that is pre-existing. It is a terrible company now. I would not recommend them to anyone at this point.

I have had the same problems with them. They will not answer the phone and it takes them over two weeks to respond to emails. I have been trying to cancel my membership and can’t get through to anyone on the phone and there is no way to do it o..
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Ron M.
March 6, 2019 @ 01:40
2.0  

We have been with liberty for about 4 years. They do not “negotiate” with providers on billed amounts they simply tell them what they will pay and generally you are stuck with the remainder. Recently we had around $ 2500 in bills for an incident. Bills submitted to liberty were not paid after many months so we paid them to protect our credit. In the end liberty reimbursed us around $600 so we paid our $500 unshared amount plus another $1400. Then our rate went up $50 per month and the new unshared amount is noww $1000. Previous to this incident it took over a year to get a hospital bill paid. We are in the process of starting over with another share company.

We have been with liberty for about 4 years. They do not “negotiate” with providers on billed amounts they simply tell them what they will pay and generally you are stuck with the remainder. Recently we had around $ 2500 in bills for an i..
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Katalin Michaels
March 5, 2019 @ 05:26
2.0  

Don’t do it. It would take several pages to detail my terrible experience, so I won’t even try. Basically, they don’t have their act together at all. I think they’re trying, but they are failing miserably. The amount of time and effort I have spent trying to get them simply to fix their own mistakes is absurd. I may just give up and let them win because life is too short for this BS. I am definitely canceling, but as to how long I’ll keep trying to get reimbursed for past stuff, I can’t say. Maybe in 5 years, this will be a good option, but for now, don’t even bother. Read what everyone else wrote and take heed.

Don’t do it. It would take several pages to detail my terrible experience, so I won’t even try. Basically, they don’t have their act together at all. I think they’re trying, but they are failing miserably. The amount of time a..
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Andreea
March 5, 2019 @ 01:13
1.0  

I’ve been with Liberty, on a couple plan since Feb 1st 2016, meaning we are a month into our 3rd year, when ,you guessed it, pre-existing conditions ( if any) are covered…
We are healthy, but some ingrown hair is giving my fiance some issues,and every provider we see keeps prescribing antibiotics, but that’s it, and the bills range around 300-500 dollars. They were great negotiating and paying off their part part,after our unshared amount of $1k, until this year, when they are trying to get us to pay for a bill that they didn’t process right,got called out by the Dr’s office, and “fixed ” the issue, but sent us the bill..why? I don’t know, I can’t get a straight or even the same answer, every time I call.
Then the price went up to $349/month, and this year, our ” deductible ” went from $1000/year to $1750/year, with no notice to clients like myself ( no call, email,mail,nothing)

And to top it off, on Feb 1st, when our 3rd year started, my credit card was charged $349 for February, $70-something for the annual fee, and March 1st 2019 another charge of $349, totally normal, yet none of these charges appear on our ShareBox. It looks like we never even made a payment… I would love to switch, but when you’re supposed to get pre-existing conditions( even though we don’t have any),covered starting your 3rd year in the program, leaving would be a hard pill to swallow . Starting all over again? No I prefer to stay here and hold them accountable

I’ve been with Liberty, on a couple plan since Feb 1st 2016, meaning we are a month into our 3rd year, when ,you guessed it, pre-existing conditions ( if any) are covered… We are healthy, but some ingrown hair is giving my fiance some iss..
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eb
March 2, 2019 @ 21:23
2.0  

Don’t waste your $ you never get reimbursed.

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Mike refundme
February 28, 2019 @ 15:19
1.0  

Horrible experience, horrible customer service, fraudulent charges, cancelled membership several times still charged money. I do not recommend they are scamming people out of money

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F Edwards
February 28, 2019 @ 15:17
1.0  

The monthly sharing amount increased and the AUA also went up by 175%! The reimbursement time is really awful. I have been sent to collections and even been threatened with legal action because of unpaid health claims. A lady named Wendy who is supposed to help with getting bills processed was really passive aggressive and rude; she claimed that I was told that I had to submit paperwork regarding the conception date of a lost pregnancy. I told her I probably was but at the time I was wading through the grief of losing an unborn baby and she said “well, I’ve had 4 miscarriages so…” as if to dismiss and diminish my grief and act as if it was nothing compared to what she faced. No compassion at all even though I swiftly provided everything they needed within 24 hours of hearing the request. Also, their Sharebox is confusing and doesn’t offer much needed information. Switched over the Solidarity and hoping to have a better experience. Liberty has a lot of improvements to make before I would ever consider returning back to them.

The monthly sharing amount increased and the AUA also went up by 175%! The reimbursement time is really awful. I have been sent to collections and even been threatened with legal action because of unpaid health claims. A lady named Wendy who is suppo..
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R Taylor
February 25, 2019 @ 15:39
2.0  

They claim to have more flexibility for pre-existing conditions, but what they don’t tell you up front is that they discriminate against people with PEC’s. I could elaborate, but I’ll leave it at that.

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Greg Herron
February 20, 2019 @ 19:00
3.0  

About all I am getting out of belonging to Liberty HealthShare is avoiding Obama care. If that is all you need it could be a good fit. If you need any kind of coverage at all I would encourage anyone to look somewhere else. For entertainment you can all them and ask a question then wait 5 minutes and call back and ask the same question. You’ll get a different answer every time.

About all I am getting out of belonging to Liberty HealthShare is avoiding Obama care. If that is all you need it could be a good fit. If you need any kind of coverage at all I would encourage anyone to look somewhere else. For entertainment you can ..
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Dontworryaboutit
February 19, 2019 @ 21:59
1.0  

Don’t sign up, they were impossible to get a hold of, didn’t pay for anything, never answered the HOSPITALS calls; now I’m stuck with 17k in bills and why’re still coming. Peopleh who hide behind religion like this should be executed. At least criminals rob you “cleanly”.

Don’t sign up, they were impossible to get a hold of, didn’t pay for anything, never answered the HOSPITALS calls; now I’m stuck with 17k in bills and why’re still coming. Peopleh who hide behind religion like this should be executed. At leas..
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John Roth
February 19, 2019 @ 02:00
2.0  

Liberty simply does not pay. I’m at 3 months after paying doctors at the time of my appointment. This is a horrible substitute for traditional insurance. If a positive review is posted on this company it is either done by Liberty or the person has not filed any claims.

Liberty simply does not pay. I’m at 3 months after paying doctors at the time of my appointment. This is a horrible substitute for traditional insurance. If a positive review is posted on this company it is either done by Liberty or the person has ..
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Son Dao
February 17, 2019 @ 23:29
1.0  

Liberty Healthshare is a scam, I paid out of pocket more than my Annual Unshare Amount (AUA) and submitted all the medical bills yet they never send me a reimbursement check. I keep emailing them and they never reply.

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Samantha P
February 14, 2019 @ 16:11
2.0  

had very high hopes for joining Liberty HealthShare! I thought it was a great alternative to the current health care system. However, the processing of billing and reimbursement is a joke!
I submitted two bills in October of last year and when I called in to check the status of them I was told that they are being processed and the process would take 30-45 days. I called back the end of December and informed them that I received a letter from the hospital stating my credit will be affected if the payment isn’t made. I was told that I could make the payment to the hospital and I would be reimbursed. I called Liberty HealthShare again two months later and asked them when will I be reimbursed for the payments that I made to the hospital. I was told that no one knows when I will receive a reimbursement check. They said that the bills were processed, but I have to have to wait to see if a member will pay the bills that I have submitted. I then asked if I could expect a reimbursement check in 4- 7 months and they said they were not sure. The reimbursement check I am expecting is around $1,000.00.
I have paid my monthly payments on time and submitted my bills correctly and stated to Liberty Healthshare that this is not fair to the members.

had very high hopes for joining Liberty HealthShare! I thought it was a great alternative to the current health care system. However, the processing of billing and reimbursement is a joke! I submitted two bills in October of last year and when I call..
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Bob S
February 5, 2019 @ 18:02
3.0  

When we started with Liberty in 2017 they were pretty good and responsive. In the last 6 months it has been steadily downhill, and our latest experience has been dismal. We have several bills in collections now because of Liberty’s and MCS’s slow turnaround and lack of responsiveness. The only time things seem to move is when I call in to complain.

Folks should stay away until they get their act together.

I wonder if the auther’s experience has changed and if he could give an update

When we started with Liberty in 2017 they were pretty good and responsive. In the last 6 months it has been steadily downhill, and our latest experience has been dismal. We have several bills in collections now because of Liberty’s and MCS̵..
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Angela
January 29, 2019 @ 17:44
1.0  

We went with Liberty Healthshare in June of 2018. Since then we have not received a single penny of reimbursement for valid claims. I have had to spend several hours online and phone calls just to be told it is processing and yet they start their claim period all over again each time so now it’s been 6 months not the 30-45 days they claim! This company seems to be a scam.

We went with Liberty Healthshare in June of 2018. Since then we have not received a single penny of reimbursement for valid claims. I have had to spend several hours online and phone calls just to be told it is processing and yet they start their cla..
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Nicole Brockwell
December 26, 2018 @ 16:34
2.0  

We joined LHS 2 years ago. My husband gets free BCBS from his employer but is covered by LHS with the rest of the family. 15 months ago, he had a minor procedure (vein ablation). BCBS paid everything they were supposed to pay perfectly. We are still trying to get LHS to pay as they should. They claim BCBS should pay the remainder. The staff has an extremely high turnover rate and it is very difficult to get them to respond. It is a new employee every time we speak or email with them. We are in collections with his doctor’s offices and the hospital. The dr and hospital are in direct contact with LHS providing everything they ask. We met the AUA but Liberty still wont pay. They aren’t trustworthy and we plan to leave at the end of the month which will round out 24 whole months with LHS.

We joined LHS 2 years ago. My husband gets free BCBS from his employer but is covered by LHS with the rest of the family. 15 months ago, he had a minor procedure (vein ablation). BCBS paid everything they were supposed to pay perfectly. We are st..
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Tara
December 11, 2018 @ 15:17
4.0  

I picked up Liberty over three years ago after my late husband’s insurance ran out and the Affordable Care Act was unaffordable. The biggest draw to healthshare programs for me is that the doctors are allowed to practice medicine without the constraints of insurance guidelines. In other words, the doctor does not have to check with insurance coverage before ordering a medicine or test that the doctor feels is the best decision. I have enjoyed the low costs and the freedom to choose any doctor. I also enjoy knowing how my money is shared and what my money is and isn’t paying for. The most unexpected thing to come out of being in a healthshare ministry is the sense of responsibility you develop for maintaining and improving your health. You are, after all, submitting bills and asking other people to help you pay for those bills. In today’s insurance culture, people just throw caution to the wind and figure, oh well, my insurance will cover it, without considering a lifestyle change to improve their health.
I have never told a doctor about healthsharing and found that they already knew about it. A couple of my regular doctors have retired and I moved to a new city in the past three years and not one new doctor that I have gotten knew anything about this. So, every time I see the doctor, I have to remind them that with me they are not in the insurance realm, but truly independent and free to make the best decisions with my treatment. The people working the front desk give you a blank stare and then whisper like it is an embarrassment, “Oh, so you are uninsured? You will have to pay in full upfront. Can you do that?” Not one doctor’s office has ever been interested in working with Liberty to submit bills. So, I pay up front a discounted amount designated for “self-pay” patients and then submit my receipts and doctors notes to Liberty for re-reimbursement. It usually takes 45 to 60 days to receive my reimbursement check.
Do I think it is worth it? Yes, however Liberty did raise their prices this past summer. My $199 a month went to $249 a month. I am considering a different healthshare group if the monthly price is less. Overall Liberty has been very good for my peace of mind knowing that my money helps others pay their medical bills.
One big caveat, thus far to my knowledge: What you pay in monthly share amounts and sign up fees and annual fees are NOT tax deductible. You are spending after-tax dollars. Sucks, I know. So, two things I wish would happen to improve any healthshare program. One, educate the doctors and front office staff about what a healthshare is. Two, make our healthshare expenses to be tax deductible.

I picked up Liberty over three years ago after my late husband’s insurance ran out and the Affordable Care Act was unaffordable. The biggest draw to healthshare programs for me is that the doctors are allowed to practice medicine without the c..
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michelle Hart
November 26, 2018 @ 22:24
3.0  

This group gives Christians a bad name. Slow to pay is even kind. More like get taken to collections, pay for yourself, before you even find out if they will pay it, which is most likely NO. RUN don’t walk away from this health share program. It sounded too good to be true and it truely is.

This group gives Christians a bad name. Slow to pay is even kind. More like get taken to collections, pay for yourself, before you even find out if they will pay it, which is most likely NO. RUN don’t walk away from this health share program. I..
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Dan
November 7, 2018 @ 23:43
3.0  

My wife and I are self-employed so we were looking for alternatives to traditional health insurance. We do not receive a subsidy so our costs were growing at a pace that required we look at other options. We joined Liberty in January of 2018 and were a little concerned about our choices. We documented our experience at http://www.mylibertyexperience.com so we could share details with others thinking about making the move. Overall, some good, some bad and a healthshare like Liberty won’t be write for everyone.

My wife and I are self-employed so we were looking for alternatives to traditional health insurance. We do not receive a subsidy so our costs were growing at a pace that required we look at other options. We joined Liberty in January of 2018 and were..
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Steve Witt
October 8, 2018 @ 15:23
2.0  

I signed up for LH because I wanted to deal with a christian company. Did not need them for over two years and then when I did I had missed a change on my card. They cancelled the insurance a couple weeks later after I found it and needed their help to fight cancer they do to accounting on part my I don’t care. On ward christian bro.

I signed up for LH because I wanted to deal with a christian company. Did not need them for over two years and then when I did I had missed a change on my card. They cancelled the insurance a couple weeks later after I found it and needed their hel..
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Lisa Griffith
September 18, 2018 @ 18:33
2.0  

We have been told that our providers are not going to be covered in the future, Legacy “will not negotiate for “reasonable fees” and therefore will not be covered in the future” We only have 2 hospitals in our city, so we thought we could go to the one that was closest to us and we have a history with, WRONG!! Also when our daughter needed an ambulance ride after an accident, we got the same response, we will no longer be covered for ambulance services because the providers won’t “negotiate” with Liberty for reduced cost, so if we have another accident and require ambulance transportation in our town, again we are screwed, and on the hook for the entire cost. This is the whole reason we chose health sharing was to cover us in the event of emergencies so we wouldn’t go broke paying for accidents, of which we had 2 this year and will probably end up costing us in the 10’s of thousands, since Liberty says our providers will not reduce the fees to “reasonable amounts”. Very disappointed!!!

We have been told that our providers are not going to be covered in the future, Legacy “will not negotiate for “reasonable fees” and therefore will not be covered in the future” We only have 2 hospitals in our city, so we tho..
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Lisa Griffith
September 13, 2018 @ 04:29
1.0  

We experienced 2 accidents in our family in January and February after starting this program on January 1st. We are being threatened with or have been sent to collections by most of the providers involved in the January accident (daughter dislocated her elbow in a fall), and have yet to see all of the bills from the February incident (my husband dropped a pool table on his hand and had to have emergency reconstructive surgery). It is now September and we have been told a lawyer will “walk us through the collections process”, We have excellent credit and no debt, but we are worried that this will put a black mark on our names. I went to my regular doctor in March, that bill is still outstanding, the provider did adjust it by 50%, but Liberty has yet to pay and my doctor’s office may require prepayment prior to future services unless this matter is addressed. We are very disappointed with this experience and have spent hours on the phone and collecting the paper trail to try to sort this out.

We experienced 2 accidents in our family in January and February after starting this program on January 1st. We are being threatened with or have been sent to collections by most of the providers involved in the January accident (daughter dislocated..
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Disgruntled in Dallas
September 9, 2018 @ 04:03
1.0  

The BBB has a pattern of complaints against this “company” and met with them on April 30, 2018. I don’t think it’s done any good, though. There are many complaints regarding the length of time it takes LHS to reimburse their ‘customers’ – victims is more like it. They also have a pattern of not paying providers. I submitted a bill for reimbursement on June 24, 2018 and have been calling every two weeks for a status. Last week the status of the process on their website showed ‘submitted for sharing’ which means I should be receiving reimbursement any day now but when I called to check on the status I was told LHS now needs the diagnostic codes from my provider. WTF! This is the first I’ve heard of this requirement. It is not stated in their guidelines, no one reached out to me asking for these codes and it was never stated in any of the emails I received regarding the status of my reimbursement. It seems that it’s clearly a stall tactic on their end just like their many responses to complaints on the BBB website where they say “Your reimbursement check will be sent out in the next batch.” No date, no time reference, just “in the next batch.” This is a big scam. Save your money and self insure. You’ll be better off than by getting involved with these crooks!

The BBB has a pattern of complaints against this “company” and met with them on April 30, 2018. I don’t think it’s done any good, though. There are many complaints regarding the length of time it takes LHS to reimburse their &..
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S Atkinson
June 3, 2018 @ 17:43
1.0  

Liberty Healthshate is a horrible option for a “health care.” You’ll have to pay for a couple years, e
verything will be denied as “pre-existing condition” and no reimbursement until they make lots of money off of you. The customer service is terrible with inexperienced, not knowledgeable at all. They “promise” to do things and never come through, like reimbursing when they never have any intention of it then deny anything they originally “promised.”
HIGHLY SUGGEST AVOIDING THIS FAKE HEALTH ShARE AT ALL COST!! YOULL BE GLAD YOU DON’T PUT YOURSELF THROUGH THE FRUSTRATION OF A MONEY PUT!

Liberty Healthshate is a horrible option for a “health care.” You’ll have to pay for a couple years, e verything will be denied as “pre-existing condition” and no reimbursement until they make lots of money off of you. The customer service ..
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Peter
April 19, 2018 @ 18:23
2.0  

Be very, very ,very careful with this organization. They, like a regular health insurance company will look for ANY and ALL reasons to not reimburse. They claim a stomach ache is a pre-existing condition, which means that most human beings have a pr- exisitng stomach condition.

Be very, very ,very careful with this organization. They, like a regular health insurance company will look for ANY and ALL reasons to not reimburse. They claim a stomach ache is a pre-existing condition, which means that most human beings have a p..
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Karol Brown
February 20, 2018 @ 01:40
4.0  

My husband had to have emergency surgery in December due to a staph infection in his bone. He had Achilles’ tendon surgery in July and evidently he got it then. He spend six days in the hospital. Came home with a wound vac and a PICC line and I can report he is doing much better. Thanks to Liberty Healthshare! After our deductible was met, they have negotiated and paid for all his bills. We were so afraid we were going to have so many bills we weren’t sure how we could manage. I recommend LHS to everyone I know!! Thanks again!! God Bless!

My husband had to have emergency surgery in December due to a staph infection in his bone. He had Achilles’ tendon surgery in July and evidently he got it then. He spend six days in the hospital. Came home with a wound vac and a PICC line and I ..
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Karol Brown
February 19, 2018 @ 23:00
5.0  

No problems at all except it does take a while for reimbursement. I am sure they are working on that. The surgeon that did my husbands Achilles’ tendon surgery said he thinks LHS is the best thing out there. He was very impressed!!

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JESSICA LEGAN
January 24, 2018 @ 15:20
3.0  

I had a medical incident in early July. Having the bills paid or reimbursed has been a major, major battle with me needing to follow up every day. One large bill was sent to a debt collector because Liberty’s partner (MedCost Solutions) is absolutely ineffective. They will not return my calls, nor the calls of the provider’s debt collector.

I had a medical incident in early July. Having the bills paid or reimbursed has been a major, major battle with me needing to follow up every day. One large bill was sent to a debt collector because Liberty’s partner (MedCost Solutions) is ab..
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Kristine
November 2, 2017 @ 02:22
4.0  

The entire cost of our pregnancy was covered and we have been thrilled with Liberty. We also had to wait a really long time for some of the reimbursement though

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Anthony
October 30, 2017 @ 18:48
3.0  

Had Liberty for over a year now. Bills take a long time to get paid, but they get paid so can’t complain there. Overall, this has been a great option for me and my family.