Liberty HealthShare Reviews 

I spoke with Qwhynijiah in Customer service at Liberty HealthShare…it may have taken awhile to resolve this,
however, she was so extremely helpful, patient, and kind, I can’t thank her enough! Both Qwhynijiah and her supervisor Ta are extremely hard working and professional employees! Nothing is a higher compliment than to tell you that your professionalism and your kindness will resonate with me forever!
Again, Thankyou Liberty HealthShare, Thankyou from the bottom of my heart!

Always Helpful! I was having difficulty accessing information online. I called and was promptly helped to get the information necessary to accomplish the goal. Thank you!!!

My recent experience with the customer service person I spoke with was good. I find that she and most of the people I speak with at Liberty are friendly and try to be helpful. My experience with liberty as a provider is adequate. It took almost 3 years for my mammogram to get paid. It should’ve just been taken care of directly, but because of the length of time it was taking for liberty to pay the hospital, I just paid out of pocket (since I was being hounded by the hospital) and waited to get reimbursed. It is not ideal, but understandable since it is a share program.

I’ve been a member of Liberty HealthShare since 2017 and was diagnosed with breast cancer in 2019. I underwent a double mastectomy followed by five months of chemotherapy. My medical bills totaled over $200k, and despite countless hours on the phone and repeatedly submitting expenses, it’s taken years to reduce the balance to under $100k. I personally negotiated another $175k off directly from my providers. For the record, sending bills to collections seems to create ZERO sense of urgency at LHS. At least most of the bills from 2019-2021 have finally been addressed.

In 2023, Liberty HealthShare decided to stop covering the monthly injection I receive at the chemo clinic as part of my ongoing treatment. Initially, I was told by an unfriendly nurse that it was being administered off-label, even though my oncologist provided a letter to the contrary. A few months later, I was informed that the real reason is they no longer cover what they classify as "maintenance care."

It wasn’t until 09/16/2024 that I was fortunate enough to connect with Ketrina. She is, by far, the most knowledgeable and competent person I’ve ever spoken to at LHS. In just 15 minutes, she managed to accomplish more than has ever been done on my file. Ketrina also ensured I had her direct contact information and followed up with me personally a few days later. Her level of care and efficiency is unparalleled at Liberty HealthShare.

While I do see some signs of improvement under the current CEO, the overall execution of Liberty HealthShare’s program remains deeply flawed. The concept is great, but the delivery leaves much to be desired. If you’re a member struggling like I have, I highly recommend reaching out to Ketrina—she’s the best person in the organization and truly a standout.

I have cancer and lots of bills are coming in. I was getting harassed by the hospital because the hospital is not accustomed to working with a health share ministry. I called Liberty Health Share, and their team got in contact with the hospital financial office directly, worked through the issues, and the hospital and I are now completely satisfied with the process. Special Thank you's go out to Sandra and Ketrina at Liberty Health Share for their persistence and kindness.

I've been with this organization for almost 8 years. They have supported me many times. In fact, I had a stroke in 2018 and after multiple tests I had a rare congenital heart defect. I had to have surgery to fix/repair my heart. This process was yearlong and Liberty HealthShare was phenomenal every step of the way, very caring, answered my questions, dealt with hospitals/doctors/surgeons/bills, etc. and took care of everything. I'm proud to part of this organization. Thank you!

I have never been helped so thoroughly as I was today by Ketrina! 😊 I have been calling and calling Liberty for over a week asking for about 9 bills that were incorrectly processed by Liberty. I spoke to several customer service representatives, including a supervisor, who all promised I would receive call backs for managers. I did not receive one phone call back - ever! Needless to say, this occurred after I had been a Liberty client for almost 10 years. I did not feel like a priority to Liberty nor did I feel like Liberty cared about me. I was in current need of medical services but was denied by the provider until these bills were paid even though they were not my responsibility. I had stated my emergency situation each time I called in but my issue was not treated in an emergency like fashion. Today when I connected with Ketrina, she was extremely helpful, polite and knowledgeable GOING ABOVE AND BEYOND spending an hour and 17 mins on the phone with me to clear up the issues with Liberty’s system. She also was gracious enough to allow me to add the provider to the phone call to request these bills be placed on hold so that I could get the service I needed while Liberty was reprocessing. Having a caring spirit is an attribute which is lacking in most customer service employees that I come in contact with on a daily basis. They may be able to do their job correctly but that’s the minimum effort. Not Ketrina though! She truly cares! I understand why she has achieved her position as a manager. I would highly recommend Ketrina and nominate her as much more than a true customer service provider! 💗

I signed up with Liberty Healthshare because I wanted to comply with the law. I only needed to be covered for six months as I was turning 65 and would be on Medicare. Thankfully, I did not have any major illnesses/injuries where I needed to use the coverage. I just paid my money which hopefully went to help others. When I was a few days late canceling my coverage they were unwilling to refund my automatic payment even though I was now covered by Medicare.
Regular insurance companies are required by law to refund unearned premiums, but because they are a ‘Christian’ share company, they are not obligated to follow the same moral and legal guidelines. As I said, I never used their insurance, or whatever it’s called, so I can’t speak about whether it’s good or not, but I would advise others to be very careful and read all the fine print before signing up with this company.

Loris was so helpful and kind!!!

Any time we had to call we had great customer service. We never needed to use the insurance for any health related bills, so we cannot speak to that service, which is why we gave it a 4 rating. It was comforting to know we had insurance and that it was a Christian based company.

Since I joined at getting my 1st ever job in late-2014, Liberty Healthshare (L.H.S.) has been pretty great. Not perfect, but it's not failed me yet. Also, being able to read of each other's health-issues (and/or their loved-ones), and pray for each other has been quite nice. No medical bills so far has been left unpaid. (The most stressful issues I had dated back to 2015-2016, when I still had healthcare-providers who didn't participate and required me to send the already-paid bill for reimbursement. Their persistent refusal to just send me the bill in the mail to send to L.H.S. made me drop them. Since then, no issues.) Thankfully, I'm healthy, so my healthcare needs are very little per year. Hence, my annual-checkup bills have been without issue.

I suffered a car-accident in late-2020 while on the job. Thanks to worker's compensation & L.H.S., the bill finally came to me by the middle of 2021… for a mere $49.16. (I paid it like lightning and saved the e-mailed receipt! lol) Adding the 2020-submitted bills reported on my ShareBox-account, that should be over $2.5k if not for L.H.S.!

I can understand from other reviews here (& other sites) serious issues of unpaid bills, and to them it saddens me that their experiences did not fare well in their cases. (God help them! 🙏) Thankfully, L.H.S. has been trying to address this since 1 January 2022, and has paid-off about ⅔ of its bill-backlog (as per the 16 July 2024-edition of the e-mail monthly newsletter, about 2.5years' worth of effort from us members & the admin.'s. So God willing, L.H.S. should be debt-free in a year & 3 months? 🙏).

God willing, the improvements & reforms will continue! God willing (after the obligations are fulfilled), L.H.S. will be able to reach and keep the delicate balance of compassionate generosity as per its noble, Biblical mission & necessary fiscal-responsibility that will make it a sustainable & stable healthcare-financing solution so deeply needed in our troubled world today. 🙏

Although there are things about Liberty Healthshare that make me want to pull my hair out, this review is about my recent 'phone call to them. I needed to file a claim for my annual wellness visit. Call was answered immediately. I was cordially greeted, directed to exactly where I needed to go on the website and helped to find all I needed to file. Very efficiently and kindly.

We have had nothing but positive experiences with Liberty HealthShare! From their customer service, to quick turnaround on claim payment, to the easy to use website. I am excited about the supplemental plan for when I get on Medicare!

Liberty Health Share is a wonderful health ministry. Every time I needed to use my health share, they were very prompt. Whenever I had any questions, they were most helpful. I never once had an issue with them and I highly recommend them to anyone who needs health insurance. I have been a member since 2017.

Liberty Healthshare has cared for our family for the last 7 years. We serve Christian education overseas and appreciate the inclusive Christian spiritual foundation of the organization. Their customer service team is superb, with knowledgeable and caring people who are easily available online. Healthcare documentation and processes can be complex and even tiresome, but Liberty continually works at refining the processes to make them transparent and doable. We are an older couple and the ministry of Liberty has allowed us to serve overseas with a peace of mind.

They are always very helpful! She answered all my questions. Thank you kindly, Paula

Had an issue with a refund that was due me, and Loris was very patient & helpful.

The team at Liberty was extremely patient with my many questions as I am skeptical by nature and health care is too important to screw up. They responded promptly and alleviated my concerns. They made it clear what is and isn't covered and how health sharing differs from insurance.

I have been a member of Liberty HealthShare for 3.5 years. In the last 6 months I have incurred some medical expenses. The new PCHS card has worked well as my medical bills are now submitted by the medical provider straight to Liberty. I am able to review those bills on the Liberty website and track their progress to payment, which has been quite timely.
The representatives at Liberty are always helpful and knowledgeable when I call with questions. Antoinette was extremely helpful with all my questions this morning!!

I contacted Liberty Healthshare customer service today and Loris was so helpful! She is an excellent representative for LibertyHealthshare. She helped me with my original request and then went on to make sure I understood all the benefits of my plan - which I didn't. I had no idea what I didn't know and she walked me through it all. Because of Loris, I now know I have a dental discount plan, and I may end up saving 2700.00 on an orthodontic service because of it. I just hadn't taken the time to explore the various benefits and Loris changed all that today. Thank you Loris!