Liberty HealthShare Reviews 

I really love working with Liberty Healthshare. The hold time is so short and everybody is very helpful and knowledgeable about the issues I have. I highly recommend them.

They took payments which they were not allowed to. It wasn't stopped when I told them to stop. I've had in the past terrible experience with Liberty healthshare . The whole idea that a member has
to pay from own pocket any dr."s visit under$200 for each visit is reduclios.
Now let's take this serious, which doctor takes more than $200 for a simple visit ,which means that every time I went to a physican it costed my own pocket. My suggestion, that you leave this company and search another healthshare co. The premiums are very high and expensive . For example Liberty Health share does not cover "prolia shots only the first one.Even the first one l.h.s. gave me a run around, which meant in my case that I had to pay every time I went for the shot $2,000 till I reached age 65.Then Medicare took over . Stay away from this company don't touch it.

Tracy S. in customer service at Liberty Healthshare breaks things down and makes them easy to understand. Medical billing is so confusing to me! It's comforting to know there's someone who can answer my questions, even if I don't always know how to ask.

When I call customer service, I not only get through quickly, but the customer service representatives answer my questions with both knowledge and kindness.

I’m not very tech savvy, Tracy patiently talked me through the process of uploading some documents onto my share box.

Liberty health series, the best

Courteous and knowledgeable agent. I appreciate their calling me as my credit card info was no longer correct. They are great to work with!

Loris was patient and helpful all through out the time. She answered my question clearly. She was very friendly too. 💖 Thank you so much Loris.

We've been with Liberty for many years. Their reimbursement timeline and phone hold wait timeline has improved significantly in the last couple of years! This morning I only waited 6 seconds to speak with a very helpful representative.

The only complaint I have is actually with the whole US healthcare system itself. There are many providers who claim to be part of the PHCS network that Liberty uses for processing bills, but who demand payment up front before providing service and then will not accept the standard PHCS repricing, so we're stuck with the balance after Liberty/PHCS has determined the actual fair healthcare price. We're stuck with that because we've been forced to pay it up front to receive care. Every insurance company uses this same process of repricing and it's a ridiculous process that leads providers to increase their charges beyond what they know they will actually receive from insurance.

Just be aware that with Liberty, you have to be your own advocate and that for non-emergency services, a provider may demand payment up front and then not accept Liberty/PHCS's reassessment of the price even though they accept that same process with all insurance companies.

That said, in total we've saved plenty of money over the years because of not paying the exorbitant insurance premiums in our state. Liberty's monthly premiums and annual unshared amounts are less than we can access for insurance in our state. We have unfortunately had quite a lot of out-of-pocket expenses because of what I described above, but it's not because of Liberty denying bills. It's because of the ridiculous health care and insurance process in the US. We desperately need single payer healthcare because the whole ridiculous process described above just wastes a lot of healthcare dollars in paying the people doing the billing and the back and forth plus the provider's time trying to get preauthorizations. Plus patient and family time is wasted trying to deal with the above.

The representative was very patient and kind and walked me through all processes in their website to access the information I needed

I have had liberty for 15 years and so appreciate them and all they do and have done. I HIGHLY recommend. Thank you for your help today Ivy!

Every single interaction with Liberty and every single doctor visit or procedure any of my family has needed over the 15+ years of membership has gone very smoothly. We LOVE Liberty and how helpful they are. Follow their suggestions exactly for prenotes and how to sort out reimbursement and it will go well!

Everyone you talk to at Liberty Healthshare is super helpful and kind. I’m happy and grateful to be a member. Thank you.

Liberty always has great customer service. They are even happy to talk with a medical billing center with you to get problems figured out.

I was connected to a customer service rep within 20 seconds and she was incredibly helpful and pleasant! I needed help logging into my account and she had a link to my email within minutes and my problem was solved. Such a better experience than I used to get dealing with a traditional insurer.

Toni was thorough and very helpful. I needed extra help because I wasn't watching my account close enough and she was very helpful.

I called to find out about paying my share early due to upcoming travel. Super customer service by agent giving me options that would work the best for me. I am pretty new (5 months) in my membership but have nothing but raves so far!

The representative I spoke with was very knowledgeable and patient with me. She walked me through the steps I needed to complete to get additional paperwork submitted. I have always found the customer service reps to be kind, compassionate, and helpful.

My husband broke his ankle in 2025 Surgery and antibiotics, Liberty has still not paid the bill aside from his $1000 deductible which we paid. They owe providers over 10K. Now it has gone into collections. Stay far away from this healthshare company.
Tria orthopedic Center in Minneapolis is owed $$. Park Nicollet Health Services is owed $$$

I was having difficulty with the site that helps you find potential healthcare providers. I called and spoke with Tracy and she was so helpful, providing a list of doctors I will reach out to. Quick, kind and courteous service.