Liberty HealthShareReviews of libertyhealthshare.org

I chose Liberty healthshare as we are a very healthy family and regular insurance was getting quite expensive for the self employed. We were SOLD on the Christian basis behind their mission. Last year I was diagnosed with Breast Cancer and without really having a primary care physician (as I am never sick and believe it or not - they file your charts away) - Liberty was there not only to help with the best care - THEY WERE SO PROMPT on their payments to my care providers. I couldn't have had better care my physicians AND Liberty Healthshare - who checked in on my status periodically. I also had a few providers that didn't accept LibertyHealth Share. In working with Liberty Healthshare - they informed me of how to get the best rates, turn the bills into them and BAM - they paid!

My wife and I started in 2016 after a friend of mine told me about it. They started like gangbusters, they paid claims in 45 days which I thought was great. Then after changing CFO's the new guy decided to pay claims around 180 days, which wasn't good for us, or our providers. Our providers started asking for money upfront because of the changes the new CFO made, our providers also started dropping Liberty Health share because they weren't getting paid. I had a shoulder injury, it was bone on bone, I needed to have my shoulder replaced. I paid my 50% upfront payment, Liberty Health share made agreements with my Orthopedic doctor, and the Hospital which they had to do before I could have my surgery. My surgery happened on August 6th, 2021 Liberty Health share still haven't paid what they agreed to pay. We had already met our deductible for 2021, so my shoulder replacement was fully covered. They have the same story every time you call in, they are working on the backlog but they can't give you any time frame when they will pay their share. It's not right for providers to wait to be paid, they have a business to run also. It's not right for policy holders to pay all the bill upfront, and wait to hopefully 2 years or more to be reimbursed. We get collection notices, phone calls all the time, I can't tell you how many times and dates of those calls, how many times I've called Liberty to get this handled, same old story for 2 straight years. They tell you they are working on the backlog, but they are also paying claims from 2022 and 2023. Maybe they should pay all the backlog first, then worry about the newer claims. So much for being a Christian based organization. Mike W.

i loved liberty when i first joined them- they were honest and supportive of health and well being. over the years they devolved so much i finally left them and got regular health coverage. they were taking a year to reimburse expenses, questioning everything. taking forever to respond. their agents seemed stressed and overworked. then all the news came out about the owner of the company filtering money out to buy homes and expand their own wealth- but not actually pay to keep the company in good standing. that is the point at which i left. when i closed my account after being with them for years they just dropped off. there were still refund checks i should have received NOT A PEEP FROM THEM. the amount of hours i spent on the phone with them to follow up on things was like a part time job. not worth it.

I really wish I could write a better review for this share program. But for several years now they have not been a good steward of the shared monies. The price of member sharing went up astronomically and things were not getting paid. We recently decided to change to a different share company because our daughter was born with Down Syndrome in December. She, needing some interventions now and in the future, we did not feel comfortable going forward with Liberty because of the lack of stewardship over the past several years. We needed something we could rely on now raising a child with disability. We paid for our membership though January after she was born on December 16th, as the new company would not allow us to enroll until January. Because we were two weeks shy of the 60 days, Liberty will not honor the 7 years we paid into sharing, this after mismanagement of our monies for several years. We tried our hand at appeals and reached out to the CEO, they told us congratulations, and denied our appeal. Now we are stuck with over $19,000 of bills from her birth. We should have extended another month as they required the 60 days after service. we should have paid better attention, however having a child born with Down syndrome was a huge change in our lives emotionally and it slipped through the cracks. It was literally two weeks shy of 60 days! We will take ownership of this. However, It was beyond disheartening to have been told it was not fair to the other paying members now, but for years our monies were mismanaged and that our plea for help was not considered. We had doctors calling us for bills that hadn’t been paid for months and months because the office was told “they were behind” by Liberty. Those bills were not even paid by the time we severed ties in January and now we will have to pay those bill too! As a Christian company I’m disappointed, and frankly saddened. I don’t write this review because I think it will change anything but because I want others to consider carefully what sharing company you chose. We chose it Initially because it was affordable and they aligned with our Christian values. My husband is self employed and we could not afford much else by way of coverage so it made sense. Unfortunately, just because something is a Christian organization does not make it good. The idea is wonderful and if managed properly, could be great! But this was not the case here. I sincerely hope this does not happen to anyone else. I hope and pray liberty will get their act together so others don’t end up with medical debt like we have now and collectors calling them.

That it functions just as a health share should function. There is SHARING of expenses, transparency, and a good base structure by not allowing certain pre-existing conditions for individuals to enroll. The member supported structure seems to work well for most situations within a generally "healthy" member group.

I love the idea of health minded people who can manage the cost of their medical services banding together to share unusual expenses

It is more affordable than my traditional insurance option.

I spoke with Charnelle who was so calm! She answered every question regarding my bills and explained the negotiations that LHS had with my provider. She also explained to me what services Self Pay Advocates assisted with and provided me their contact information. What amazes me is how she went above and beyond and even called one of my providers to advise that a check was sent out. Her customer service was outstanding.