Liberty HealthShare Reviews 

I have been a member of Liberty Health Share for seven years and have not needed to use them until COVID. We have a hospital bill of $19,000.00 that they refuse to pay. We were told it was submitted after the 180 day period to submit bills but in fact this bill was submitted right away it just didn’t have the “code numbers” they supposedly needed to process it. Please check out the Better Business Bureau reviews before signing up. I wish I had!

I was having issues with the company. I asked for prayer and the CEO of the company actually emailed me. Wow! I was shocked. He explained how they were handling the business and they are working through the issues. They are now paying their billings within 120 days and working through the others. When I was ill I had a very good experience. It was just afterwards, but I know it will be taken care of. The price is amazing for what I received. Thank you Mr. Morrow for contacting me.

They paid in full on my Quad Bypass in 2017, and since then have kicked in on smaller medical issues. they also negotiate lower the medical bills i do have to pay (sometimes much lower). Sometimes things take awhile, but have you dealt with obama care or private insurance ? they are no party either.

I would like to urge you if you are considering Liberty Healthshare to go to the BBB and see what complaints there are... there are a few good reviews especially recently but they have a very bad customer service record and I know of many, many of people who have been waiting for over a year to get paid... run run run

This company has NOT taken care of their clients! We pay our premium every month, we've never missed, and yet we are waiting to be reimbursed from a Emergency Room visit from July 2021, 15 months! We couldn't afford to take my daughter to the emergency room this month when she was so dehydrated from the stomach bug because we knew Liberty Health Share wouldn't reimburse us and we couldn't afford another $5,000 bill on top of the one they haven't taken care of from 15 months ago! To have to make that decision when your daughter needs medical attention is absolutely awful and we were put in that position by this company.

Now, I get a reply back that they can't give me a timeline for when they will pay me back because they are paying back 2022 bills before 2021 bills. That is shifting all of the financial burden onto all of their patrons! This is so wrong!

Okay 1st I’ve been a member for around 5 years or maybe more and just stopped being one for their tactics. The first 3 years they were pretty good overall but they made changes and if they don’t get a bill submitted the fully correct way in details (some Dr. And hospitals have different itemized bills) they will say it’s not the correct one and try to make you get different itemized bill to where they don’t have to pay because it’s outside of the window of when they won’t pay the bill anymore. This along with other issues of not getting bills paid has put me and my family in a financial mess. I’m now over $80k in debt because of them. They have documents sent to them and many of the the same ones, many with different line item layouts but to them they were not good enough. They also will say they didn’t get them or will email me directly and then I’ll send a document and then claim they never got it it. Just so many loop holes for them that favor them not having to payout. That shows they just use the Christian word to their advantage. They don’t believe in truly helping people they believe making money at the top and making it harder for the people that need the help.
I’d stay away from this company and probably many like it.

My experience with re-enrolling was phenomenal. Incredibly patient people, willing to walk me through and re-explain as many times as needed. Every time I've called, there has always been a human being to answer the phone, and there for the entire process!

Submitting medical expenses and keeping track of them can be confusing. However, when I reached out to Liberty Health Share, they were able to answer ALL of my many questions for old and new medical expenses and make necessary corrections. It was an easy-peasy experience!

Worst Healthshare ever. This company has unethical business practices. Run, don’t walk, away from Liberty Healthshare.

…Still waiting for a reimbursement for a procedure from over a year ago. I called recently and I was told it is in line for payment, but they are prioritizing who gets paid. I suspect I’ll never see payment, so I switched to a different company.

The other issue is there are very few doctors that accept their insurance for direct billing.

I also switched because the rates were going to go up dramatically, so you’re better off just going with a standard insurance company for that kind of money.

I really do not understand how this group stays in business - The complaints are littered all over the Internet.

Liberty has more than doubled my monthly premium within the past year. That would be understandable if they were drowning in my cost. This not being the case, I have bills that were approved prior to procedures that remain unpaid going back to 2020. Liberty admits these are covered however...THEY WANT ME TO MAKE PAYMENT PLANS TO PAY THE BILL...WHILE PAYING THEM 1300 A MONTH...WITHOUT PAYING THE BILLS.

Good news is, you'll get an email about once a month preaching about Jesus for your contributions.

they never pay. You will get debt collectors contacting you after you've submitted your bills. don't be surprised if you get summoned to court. you can't get ahold of anyone and when you do, they don't know how to help you.

I would give NO stars if I could. We paid into this "Healthshare" staring in 2016 when it was only $785 per month for our family. Since, we hardly ever visit doctors/hospitals, this was mainly for catastrophic/emergency needs. It includes 1 wellness check each year for the women in our family, which is perfect. However, when we called to use it, none of the OB's in the area would take it. We had to drive an hour away and had to pay out of pocket, just to wait over a year before they reimbursed us. Just recently in March, our premium went up to over $1225 a month, which is what Blue Cross Blue Shield charges for real insurance. My daughter got in a accident and maxed out her PIP benefits and LHS repriced the $5000 claim for the Neurologist so only a few hundred dollars went towards AUA and the rest was my responsibility. So basically, the entire $5000 bill is mine and I did not even get close to meeting AUA. On top of that, they said if I stopped paying my premium, the last two month of claims would be sent back and I would have to pay all of those claims too. So they make you pay for 12 months, but you only have 8 months of coverage bc the first and last two months are not covered. THIS IS A TOTAL SCAM! FOR 6 YEARS I'VE PAID INTO THIS SHARE FOR THEM TO COVER 2 WELLNESS CHECKS. THEY WILL NOT BE THERE WHEN YOU NEED YOUR CLAIMS PAID.

I have been a member for about 5 years. We are a healthy family, yearly check-ups and the occasional sick appointment. I have been paying them over $600 a month for years, they have always been slow to pay, and now they just don't pay. Routine appointments and 1 year later they still have not payed them, collection letters are starting. Most offices will not reprice because they haven't received anything from LHS. So now I am paying LHS my $624 a month "share" and full price for overdue medical bills to save my credit. Their response, " Medical collections under $300 don't count against your credit." What kind of crock is that? Just pay the $800 in claims filed over a year ago!

It deserves NO STARS. Regretfully I must join the extremely poor reviews of this company. Can’t believe what they tell you and when and/or if you get any money for legit expenses incurred in accordance with their not-for-profit business model. AVOID JOINING THIS ORGANIZATION. Extremely dissatisfied, I remain.

Truly horrible. Was a "member" for three years up until December 2021. Repayment got slower and slower in 2020 and 2021.

Do not have your medical provider bill them because they will not pay on time and then you'll end up on your way to collections. It's "faster" to pay the bill yourself at the cash rate and then submit to Liberty for reimbursement, but then you have to submit detailed/coded bill or they will reject.

Right now I'm waiting for over $5,000 in expenses to be reimbursed from last year, some of which were submitted over 9 months ago. They can't tell me when they will be reimbursed no matter how many times I call or who I talk to.

Also, if you plan to cancel Liberty, know that none of your expenses within the last 60 days are "shareable" (reimburseable). Those rules got changed just as I was thinking about leaving so I got stuck with some expenses I couldn't get reimbursed. Note, they can change their sharing guidelines anytime by giving notice which they do more often than you'd think.

Finally cancelled and went with healthcare.gov because it was actually cheaper and way easier to have real insurance again.

This is a real nightmare and huge waste of time I wish could say was over.

I can't even give Liberty one star (but I accidentally did) DO NOT CHOOSE THEM! SAVE YOURSELF!
I diligently paid my dues to Liberty Healthshare for 5 years. As others have reported, I turned 65 in January 2022, so went about the process to be sure my membership with Liberty would be cancelled as of 12/31/21. They mentioned nothing about the 60 day-prior-to-cancellation policy - in other words, any bills incurred within 60 days prior to your cancellation date WILL NOT BE PAID. But REALLY what it is, is any bills SUBMITTED within that 60 days prior. So, my medical bills incurred on 10/20, 26, and 29 (outside of the 60 days and should be eligible) were unfortunately submitted by the provider in November for those dates and now I am told those service are not eligible for payment. I asked to speak to a supervisor. Customer service rep, Connor, would not let me.
OH! Also, Liberty owes me for eligible services that I paid for nearly a year ago. I asked Connor about that as my understanding is that they have 180 days (6 months) to pay out. He informed me that this policy has now changed to "no time limit" to pay. Oh. Really. I said, "I hope it won't take 10 years". He said "I hope not too". I am INFURIATED! A Christian (????) company? WTH? (sorry) They are unethical. I have bills upwards of over $1000 dollars that should have been eligible and now they conveniently change the policies to their advantage. This is so, so wrong.

Do NOT sign up for Liberty Health Share. Under their newly instated rules, ANY medical expense that occurs within the last 60 days of cancelation will NOT be covered, even accidental claims. My wife will be turning 65 in May of this year so will be canceling once on Medicare. We have been told by Liberty that because of this, any medical expense she occurs now will NOT be covered. So if she is in a car accident and hospitalized, even though we are paying their monthly premium, NO expenses are covered. I even talked to a Supervisor who actually agreed with me that this was wrong and unfortunate.

Was with LHS for three years. Never used it, was hard to get a doctor to wrk with them.

When cancelling, I tried to get my renewal back and it's been over a month and they keep saying, "it's in the process."

Don't believe the religion theme they are pushing.

They did pay for part of my annual exam, but it took 8 months to receive reimbursement. Beyond that, it looks like nothing is covered unless you exceed some large amount, and then I doubt it would be helpful. I also found that by having them, even though I was still essentially self-pay and was told to report that I am self-pay to the hospital, the hospital found me in a data base and treated me as if I had regular insurance, so I paid almost twice as much. Ouch. Finally quit -- and that was a huge hassle. They required me to use send email to a special email account to cancel, but the email account was broken. I had to verbally instruct them a second time to cancel me. Then they still billed me again the next month. They admitted it was a mistake, said I'd have a refund in 3-5 days. Didn't come. Called a week later and was told it needed another 3-5 days. Called a week later and complained. Was told a manager would call me back. Didn't happen. Called again and found out that the whole time, there had not yet been a refund request submitted. But not it was in and should result in a refund -- sometime. Very distasteful and feel stupid for not having read TrustPilot before I wasted a year of payments on them.