Liberty HealthShare Reviews 

I gave been a Liberty Healthshare member since the first day of 2017. I have submitted claims for standard annual healthcare and extraordinary healthcare. Liberty Healthcare has negotiated all claims satisfactorily and with patience and compassion. If you can, become a member.

Great service! I had a thousand questions, and they walked me through each one. I’m new to this company and so far it has been great!!

Hello, I have been with LHS for several years while they dealt with COVID difficulties and they have greatly improved all services. I have never waited more than a few minutes to speak to someone and they are always very helpful. They listen carefully and always resolve the issue. They are expanding coverage for Supplemental Medicare needs and now with Dental as well. I strongly recommend LHS especially after watching how they fought through the confusion of COVID and came out better on the other side. Well done!!!

Liberty Healthshares has been a huge blessing to our business over many years. We always covered the cost for our employees , yet it allowed them to remain as individuals participating in a share program.

Loris was fantastic, she went the extra mile to help me get the right information for my claim, she called and got me on a three way phone call with the hospital so we could get the information and help with what information I needed. Thank you again Loris you are fantastic

Whenever I've needed help, their call center has always been very helpful and courteous.

The title truly says it all. After being laid off and in between jobs, I signed up with Liberty Health Share and can share it was one of the best decisions I've made. I have peace of mind knowing I can lean on my membership for medical needs that may come up. And I cannot forget to mention how the staff is always incredibly kind and helpful. I would highly recommend Liberty HealthShare! Shout out to Stephanie who was incredibly generous with her help today!

Our family has been using Liberty Healthshare since 2017. The first few years it required a lot of work to keep up with getting a the bills submitted, and getting reimbursements was quite slow and frustrating, but we saved a lot of money by not using traditional insurance. This past year Liberty made some significant improvements and now reimbursements come MUCH quicker! I’m glad I stayed with Liberty over these years as they have continued to improve in their efficiency and I feel that the savings are worth the extra work of submitting bills myself. I also feel good about the principles this healthshare is based on. I am glad to be done with the racket of traditional insurance. With LHS’s improvements, I now get prompt help on the phone and the online submitting system is quite simple. It’s worked well for our family.

My husband was diagnosed with mandible cancer on 07/10/21 and he needed surgery urgently. He was scheduled for a surgery at UF Health his appointment got cancelled twice due to covid and not having enough beds in the hospital. I took him to Mayo Clinic Jacksonville on 08/11/21 had no appointment available.
I get a call on 08/12/21 to bring him to start his pre-op for surgery on 08/16/21. I was on the phone with LHS while he was getting his blood work with the pre-auth department , they approved the surgery and sent me an email quickly approving it (i work with a dermatologist and it takes about 2 weeks sometimes to get and auth for an in office procedure) My husband passed away 09/15/2023. By that time LHS had already reimburse me for 2022. The problem was 2021 and i had borrow the money upfront to get my husband's surgery done. When i would called they tell me we are working to get the bills paid and its in the back log. About 2 weeks ago i get an email from Sally(my guardian angel) saying they are sending me the reimbursements for all my 2021 bills. Also i do the billing for my dermatologist office and i actually posted a payment for a patient who had LHS in 2021 and they made the payment 04/19/2024. This is a legit company. I never lost hope in the Christian Ministry , they prayed for me and I was patient, i also needed the money believe me, but they came around and i have started to get my payments. I believe Covid screwed us all up. I have had LHS since 2015 and the only time i had trouble was during covid 2021.

Wow. What a racquet. Why hasn't the gov't shut them down? 1 - I just received (4/17/2024) emails from them stating: "We have finalized the processing of your medical bill and a check has been issued." I'm named as the Payee. The invoices were for medical services rendered in 2020 and 2021. 3-4 years ago! I phoned LHS, only to have the agent inform me the checks were sent to my providers. I personally paid 3-4 months after services when I received statements saying LHS didn't pay, and to avoid being sent to collections. Now I have to contact each provider in order to receive the moneies I paid in full. 2- They charge $300+ /month to be a member; then you need to submit 3 pages of a Reimbursement Request to receive approx $30 back. IMHO, they count on members not to submit monthly Requests in order to keep the $30. Why would they have you jump through these hoops otherwise? 3- When I required a surgery, UCLA wouldn't accept this company. Why? I was told it was because they failed to pay. This caused the surgery to be delayed, causing the problem to excerabate. 4- Is this honestly a Christian based ministry??? Jesus wouldn't be able to agree. When they're at the Pearly Gates, St. Peter will be sayin', "you got some 'spaylin' to do."
If you don't think you can afford a decent insurance, you certainly can't afford LHS, unless you want to see your $$$$ go down the toilet. Your health, and life, depend on companies more dependable than this. LHS is RISKY. Don't jeopardize you or your loved ones.

We joined liberty healthshare In 2016. Family of five. We were enticed by their low monthly pricing and annual unshared amount as we my husband and I were both self employed with young children and were relatively healthy.

In 2018, I suffered a medical issue that left me in a coma a two weeks of hospitalization. Liberty did work with me pretty well to navigate this, but my credit did take a hit. It was rough and the hospital was calling about payments. By 2021, everything was cleared up.

However, oue monthly fees were going up and unshared amount was also going up, and liberty was covering/sharing less. We were also not getting reimbursements back in timely amount, with Liberty citing extenuating circumstances.

In October 2023, my son needed a tumor removed. I went through all of the pre notification and worked with liberty to get it okayed. I started getting all the documents after the surgery and started sending It into LHS for reimbursement, but LHS said I had the wrong forms, not a UB04 and other tax forms. I provided all the information that they needed but they changed how they processed things and would not work with the hospital to get the right forms.

We left LHS in Jan of 2024. I continued to send in paperwork for reimbursement but the story kept changing why it was denied. lHS would not get back to me. I sent in more paperwork and LHS finally said my claim was Deniwd totally because I sent it in after 60 days since we left. Even though it was the same claim and it was supporting documentation. And I had been trying to work with them and the hospital for months. They wouldn't take the information and kept blaming it on their processors. However , they somehow were able to reimburse our deposit that we paid for our son's surgery but not the whole surgery. When asked about this, they blamed my giving them information too late and the wrong information. I started giving them information and calling them a month after my son's surgery. In November of 2023. However, I kept them updated continually with their pre notification department right after his surgery that he was not staying as an inpatient.

There is something that doesn't make sense. I have called, pleaded and tried everything. But, LHS is not a service worth working with.

I have been waiting for over 2 years for Liberty Healthshare to reimburse me for covered medical bills.

I have called dozens of times only to receive the same response: "we have no idea when you'll be reimbursed"

Nobody has any information and they are completely unwilling to help in any way.

We were members of Liberty HealthShare from 2017 to to 2022 and that was the biggest mistake our family ever made; I cannot even begin to describe how this has affected our lives. We have thousands of dollars worth of unpaid medical debt which in turn means we are constantly receiving phone calls and mail wanting to be paid for these unpaid bills. Our credit scores have been severely impacted. We were “banned” from our childrens’ Pediatric office. The economy has been stressful enough on most during the last several years and when adding in the completely scam of Liberty Healthshare, our overall well-being has dwindled thanks to this “Christian” organization.

Edit: (as of today, 03/24/2024) I was notified by email on 03/18/2024 that 14 of the unpaid accounts had a payment sent. Although unsure if appropriate amounts were sent, happy to at least see that action has been made but there are still large outstanding balances that need paid; specifically from service date 12/18/2018 with a balance of $9,762.69! Also 07/20/2018 for $437.96. Amongst others that I could continue listing.

Was noticed of a payment sent for service date 07/12/2018 but unsure to which account as there are two accounts with that date of service. One for $2,025.56 and one for $170.45. Would like to know which one was taken care of!

They took my money and never paid the service providers, even though they represented to me that they would. I just received a bill two years later that they had promised to pay and never did. The healthcare provider tried no less than eleven times to get paid only to get nothing but ignored. I contacted Liberty Healthshare to press for an answer of when the bill would be paid, and the response I got was scripted doublespeak. i never got an answer to my question of when the bill would be paid or if it ever would. I am stuck with the bill, and here I thought it was taken care of two years ago. Thank goodness it was only $675. The problem with this outfit is that, unlike an insurance company, it is unregulated. The day I receive reimbursement is the day I shall take this down.

I've been wrangling with them over a bill for months now, just to figure out how to even submit it the way they want.
A few of the customer service folks seem to care- most seem exhausted.

Every time I have submitted a bill, something is wrong with it. I make the changes they want, and then something else is wrong. It is truly a game of "pin the tail on the donkey- only in the end, I'm the one getting stuck. As soon as I can get this bill settled, I'm outta here- whether they pay or not.
DO NOT GIVE YOUR MONEY TO THESE PEOPLE. They are great as long as you don't have a claim.

Horrible. Our son broke his ankle and required surgery in 2020. 3 years later his largest bil has yet to be paid. He’s in collections and still no time frame on when it will be paid. The limitations on time frames and when bios were paid certainly was NOT discussed when we signed up. We left in 2021. Stay away from this program !!

We had Liberty Healthshare for many years and we don't really have many health problems. I had good experience when I had a hysterectomy, and they were quick to pay. But then we had ER and hospital visit and two years later, they still haven't paid the bill. So I am making payments and have paid over a thousand dollars in interest. Plus we had about 8 other bills that took them almost 2 years to pay and now I am having to fight to get my money back from the providers because I had already paid the bills. And they paid the wrong provider on one of my bills and I am having to spends hours on the phone to get it worked out. They are poorly run, and obviously can't manage the money. I would not recommend using them. We switched to Zion Healthshare and they have been phenomenal.

Do not use this company! I was a member in good standing with Liberty for 5 years, and when I needed them most, they completely flaked! I had a hysterectomy in Nov 2021 - I went through the approval process Liberty required for the surgery and it was approved by them to continue. I was told to pay for the procedure out of pocket (which I did) and that I would be reimbursed within their "usual 90 day window". It is now almost 2 years later and I have not received a dime from them, nor have any of the medical providers that billed them directly for payments (office visits, anesthesia, etc). Now, in addition to the money I paid out of pocket, I am getting phone calls from the medical providers stating Liberty has called them and told them that they "don't have the funds to pay my bills and to let them go to collections" - which I am now on the hook for. These bills total almost $20K!! What Liberty is doing is outrageous and unethical and they must be held accountable!

I paid my monthly amount of 399.00 diligently and was auto deducted. I kept my end of the bargain. I was a member for about 5 years and finally stopped august of 2022. When it came down to having any sort of sharing on my end and after meeting all my obligations, I was not paid. This was for health bills from August 2021 to November 2021. I kept paying my monthly premiums because I was told that my benefits after my obligations would be delayed a few months. This was back in October 2021. Had I known they were not going to pay I would have cancelled my membership then but the company did not tell people the truth about what was going on. I Called today but get no answers. The rep seemed very deflective and indifferent to my situation and not helpful. They are prepared for these phone calls. The only thing they say is that there is a backlog. They have no timeline for paying members who are owed their due.

Still waiting on claims to be paid from 2021!
Do not get Liberty.