Liberty HealthShare Reviews 

Buyer beware- they removed a review I did a couple years back and said it was “derogatory”? Misguided by sales people on phone call..

Excellent customer service, consistantly provide a high standard

Customer service is excellent.

Wait time is merely seconds…CONSISTENTLY…I have never waited a full minute to receive assistance.

The Sharing process is extremely equitable.

I am very happy to be a member.

Great customer service. Little to no hold times. Representatives are always kind and professional.

I wish I could give them 0 stars. The only thing people are correct about is that the customer service reps are nice on the phone.
I was a member for over 5 years until the end of 2024, and originally joined because they were friendly to more holistic care and choosing things like thermography over mammography. And it was a little lower cost than traditional health care (but you do lose all tax benefits and your HSA so there are trade offs). Every year the coverage has become less and less - like limited reimbursement for chiropractic and acupuncture. And they like to label everything "holistic" care and cap it at $1000 total shareable for the year. Which is an incredibly low amount if it was holistic/alternative care.

And monthly dues have gone up to comparable rates to traditional health insurance, so there's no longer any financial benefit.

In April 2024 the major changes came to only reimburse at "fair and reasonable" rates no matter what you paid out of pocket, has meant that the out of pocket expenses are SIGNIFICANTLY increased. Because those lower rates are also what contributed to your unshared "deductible", making that unshared upfront cost drastically more.
They keep saying to allow the doctors to bill, but many don't take any insurance or at least not Liberty, so that's not an option. Also, the routine tests I've had done that do bill Liberty directly, Liberty is reimbursing more than the "cash patient" price I was quoted! So they won't reimburse my actual paid rate, but when I don't pay as a cash patient and they bill Liberty, Liberty reimburses them more! But as two of my doctors don't take any insurance means they also don't charge "fair and reasonable" rates. Essentially Liberty is reimbursing me for a 10 minute appointment vs the hour I actually had with the doctor.
They also deny nearly everything at first, requiring hours of phone calls and appeals for everything. It's always been that way, but this year is especially bad with denials and slow processing and very small amount being "eligible" for reimbursement. They also ask for lot of information that multiple doctors offices have said they've never had a patient need. I think that's part of the new denial process to keep asking for more details per bill hoping members will give up. The number of hours I've spend on the phone per bill it would have been more cost effect to just pay it myself. The amount of frustration and time is just not worth the time.
The one positive is the people that answer the phone are very nice, but all they can do is listen try to understand the details, and send bills back for reprocessing. Which zero of those send backs have resulted in a satisfactory reprocessing since April. However, posting a negative yelp review recently finally got their attention and I received an email saying my case was now being personally handled by a team. Some of my bills were finally resolved. But you should not have to go through what I went through to get basic customer service. Everyone should be treated the same, all with good service.

I don't know when but they also changed the fine print to say that they will only reimburse for bills submitted more than 2 months before cancelling. So at the end of 2024 I paid nearly $900 in dues for November and December, but they will not reimburse a $177 doctors appointment that happened in October but wasn't billed to me until early November which I then submitted to Liberty the day I received it. Talk about nickel and diming a long time member and repeatedly pointing to the letter of the law rather than understanding the real world of health care, all while claiming to protect their members interest. Over all I paid thousands of dollars more into Liberty than I took out. I was a great source of revenue for them and this leaves an ever worse taste in my mouth after a difficult year.

Do yourself a favor and choose another healthcare solution! Tax credits through state insurance markets are also an option for low cost health insurance and an HSA that truly givings you control over your health care dollars. Liberty is pricey and not living up to it's own sharing guidelines. And there's no tax benefits, so it's even more expensive particularly for small business owners. So disappointing after investing 5 years that what I signed up for is totally different than the program is now. Buyer beware with Liberty.

Unlike most other health share companies, Liberty Healthshare accepts most people regardless of their religious affiliation. I love that when I contact them, my call is answered quickly by a human being who lives in the United States. They are always professional and well-trained. There is a learning curve if you're not familiar with using a health share as opposed to regular insurance. But, they are always helpful and kind.

Liberty healthshare is the best HealthCare coverage I've ever had. When calling you never have to wait more than a minute to speak to a very knowledgeable and friendly rep. It is so nice to be able to get pre-authorizations with just a quick phone call and without waiting numerous days like most large insurance companies make you do. Also having the freedom to go to whatever doctor or specialist I find on my own without having to get a referral is awesome. Liberty Healthshare's premiums are fair and they pay and/or reimburse medical costs fairly and pay about the same time frame as larger insurance carriers. The fact that it's a Christian Ministry and bases its business practices on Christian principles is the most impressive thing.

Where else can you find low cost with best service? Liberty HealthShare has the best call center I have ever encountered in fifty years of doldrums "on hold" elsewhere. For years now I have phoned them about various issues or questions, and a live person is on it in ten seconds. Maybe I waited twenty seconds once. If that were not enough, every call is comprehensive, courteous, caring and kind.

I have a medical provider that has a cumbersome documentation request process. The Liberty Healthshare rep helped me by making a joint phone call to explain the exact information needed. Thank you for going the extra mile!

I recently canceled my account with Liberty HealthShare after 8 years due to financial reasons. The cancellation process was straightforward and easy, which I greatly appreciated during a challenging time. I’ve always admired Liberty HealthShare’s mission and the values they stand for. My experience with them over the years has been positive, and I truly hope to return to their community in the future. Until then, I will continue to share my experience and recommend their services to others who align with their mission.

I’ve been a Liberty Healthshare member since 2015. My wife and I started when we were In our 20s. The long and short of it is early on liberty struggled. From 2015 until they got the new CEO who is in place now the customer Service struggled, the process in submitting bills was backed up. They were at a deficit. Me and my wife only had to use our membership for basic healthcare needs until she needed a biopsy for a breast cancer scare with mounted $18k in medical cost. It was tough to obtain. I had to wait 90 days, etc. Fast-forward with the new CEO in 2022 We had our daughter Which racked up close to 60,000 in medical bills. It was a night and day difference. Customer service is great. They reduce their deficit a ton membership is growing company is thriving. It is better than a health insurance. They don’t dictate or question your medical care and what your doctor is recommending, unless it’s morally wrong. I highly recommend them. I’m proud to be a Liberty Healthshare member and glad I stuck with them through hard times.

We joined LHS in 2017. Prior to Covid, processing times were extensive and confusing. Through Covid, as with everything else in the world, the processing got worse. Over the past 2 years, LHS has made great strides in getting the back log processed and improving the customer service experience. Their staff is well trained, patient & courteous. Sharing organizations are unique. LHS is very clear that this is not "insurance" therefore, the processing is different. The process still takes time. I don't have any providers that 'participate' so I've learned to go in as "self-pay", ask for prompt pay discounts and submit the bills to LHS portal. I do appreciate the courteous and knowledgable staff that answer the phones. It's refreshing to actually speak to humans these days for customer service. Tracy went above and beyond the call of duty by calling me to help get my mammogram re-submitted correctly with the diagnosis codes required.

I can always get answers to my questions right away when I call in, usually with very little wait. I have been with Liberty Healthshare for over 9 years. It works for me!

Customer service with liberty Healthshare has always been positive. I speak to real people who are clear and helpful. Almost no wait time to reach a person.

Great customer service. Handles all negotiations with fees. Jordon was very helpful

Bailey was very helpful. He confirmed receipt of the additional information I sent in for a medical expense. He also checked to see if the two vaccines I received could go towards my AUA.

Very friendly and accommodating!

Excellent people to work with. They genuinely go to bat for you. I am thankful for this company.

Liberty really took good care of my brother. They care, they work with you, and really help you with the medical expenses. I appreciate what they did.

Tracy Hughes at Liberty Healthshare is amazing. She is so helpful and goes the extra mile to explain things and make sure I get the help I need. She really has been such a blessing, for the all the time, help and effort she has given to me.
Thanks Tracy you are amazing!
Natalie Morton

Jaleen helped me today for a couple hours! She helped me retrieve all sorts of codes needed to complete my claims! She organized all of my downloads to a proper order matching my claims to my attachments of information. Then, to attain the needed codes for particular services she assisted me on a three way call to get those codes. Jaleen was friendly and professional as well as patient with my lack of familiarity with my drop box. I accomplished things i never could of never done on my own!
I do wish it was easier to retrieve the needed codes to complete a claim. This process is complicated and I needed Jaleens experience to complete the tasks required! Liberty Health Share is not considered by many hospitals and clinics as "legitimate"insurance.
The codes I needed would not be released to me without exstensive requests.
Thank you Jaleen for your help and caring enough to spend time organizing data, making calls on my behalf and managing my account/share box!
Richard Hoefle