Liberty HealthShare Reviews 

In 2018 we needed a more affordable option for health care. We used Liberty Health Share because of this. It saved us money in the first year or two compared to regular insurance. Our family at that time was perfectly healthy. However, in the years that followed things were very different. One of the most challenging things about this coverage is that you have to stay on top of submitting every little bill. If you miss any deadlines by even a day they will not reimburse you. We lost over 7,000 dollars because of a bill we didn't get submitted on time. Why was it not submitted? Because of a very traumatic high-risk pregnancy, (surgery at 14 weeks gestation) which included PTSD? We wrote to them and even with an explanation of emotional hardship nothing was paid. They also reserve the right to not pay if the procedure or medical recommendations, do not match what they deem necessary. I had fetal monitoring in the last month of my pregnancy 3x a week. They only paid for some of it. It was not necessary to them but my doctor thought it was?? The final decision to leave this company was Epic. Our son had cancer when he was nine. He had been clean for nine years. Unfortunately, he was rediagnosed with the same cancer in 2022. On top of this devastation, we found out that because it was not FDA-approved a life-saving bone marrow transplant would not be covered. This was recommended by all of the doctors. This stress and hardship led us to leave the company.

Our family has been a member of Liberty Healthshare for years and years. And Liberty Healthshare has not covered our bills since 2021.
I don't know if they will ever pay.

---
Update 10/19/2023:
After a 1-star review on TrustPilot, LibertyHealthshare contacted us and assigned a dedicated rep to look into our unpaid bills.
It took 3 months and all of our outstanding bills are now paid.

I have been with Liberty since 2015 and it started out a great company. It is now a mess! I have been sharing since 2015 and out of all those years I have had minor surgeries and recently a rotator cuff repair. I am now 65 and will be using my Medicare. I called and have tried to cancel and am getting the run around. They said I had to go to website then it says send a letter canceling by 20th of month prior to former month. I was told I go to my Healthshare page and cancel didn't happen goes straight back to send by mail. After having PT for 2 months which I have had to pay for my appts. over a 1000.00 now they said when I cancel I may only get 350.00 back and it could be months. I had to stop my auto draft payments to keep them from pulling out of my acct. and that's another nightmare story. I'm having a hard time figuring out how to get away from this completely! Hoping for some suggestions...

I am SOO disappointed in Liberty! They have really gone downhill. When I first Joined in 2018, bills and reimbursements were paid anywhere from 45 to 180 days. sadly, this is no longer the case!! In March 2021, my 14 month old had a medical emergency and was hospitalized! Scariest 4 days of our life. The ER, hospital , ambulance, & doctors, all billed liberty directly....Liberty processed the bills, applied my AUA and submitted them for sharing. Almost TWO years later a hospital bill for $5,400 that is Liberty's share was still NOT PAID. In February 2023 I received a collections letter for this! throughout the past year I have called Liberty so many times on this bill and I'm told the same thing. The bill has been processed, just waiting for the check to be sent out, but they have no idea when that will be. In order to get out of collections, I paid the $5,400 myself and have submitted it back to liberty for reimbursement which I am still waiting for!! Its very discouraging when people faithfully pay their monthly contribution to Liberty and Liberty is unable to be faithful back...I am a good steward of my money and work very hard to uphold good credit. Liberty must have horrible management! It is ironic that the one thing the company is set up to do-share into people's medical costs, is the one thing they are unable to do! There needs to be accountability on Liberty's end as to when the bills will be paid.

I chose Liberty healthshare as we are a very healthy family and regular insurance was getting quite expensive for the self employed. We were SOLD on the Christian basis behind their mission.

Last year I was diagnosed with Breast Cancer and without really having a primary care physician (as I am never sick and believe it or not - they file your charts away) - Liberty was there not only to help with the best care - THEY WERE SO PROMPT on their payments to my care providers. I couldn't have had better care my physicians AND Liberty Healthshare - who checked in on my status periodically.

I also had a few providers that didn't accept LibertyHealth Share. In working with Liberty Healthshare - they informed me of how to get the best rates, turn the bills into them and BAM - they paid!

My wife and I started in 2016 after a friend of mine told me about it. They started like gangbusters, they paid claims in 45 days which I thought was great. Then after changing CFO's the new guy decided to pay claims around 180 days, which wasn't good for us, or our providers. Our providers started asking for money upfront because of the changes the new CFO made, our providers also started dropping Liberty Health share because they weren't getting paid. I had a shoulder injury, it was bone on bone, I needed to have my shoulder replaced. I paid my 50% upfront payment, Liberty Health share made agreements with my Orthopedic doctor, and the Hospital which they had to do before I could have my surgery. My surgery happened on August 6th, 2021 Liberty Health share still haven't paid what they agreed to pay. We had already met our deductible for 2021, so my shoulder replacement was fully covered. They have the same story every time you call in, they are working on the backlog but they can't give you any time frame when they will pay their share. It's not right for providers to wait to be paid, they have a business to run also. It's not right for policy holders to pay all the bill upfront, and wait to hopefully 2 years or more to be reimbursed. We get collection notices, phone calls all the time, I can't tell you how many times and dates of those calls, how many times I've called Liberty to get this handled, same old story for 2 straight years. They tell you they are working on the backlog, but they are also paying claims from 2022 and 2023. Maybe they should pay all the backlog first, then worry about the newer claims. So much for being a Christian based organization.

Mike W.

i loved liberty when i first joined them- they were honest and supportive of health and well being. over the years they devolved so much i finally left them and got regular health coverage.

they were taking a year to reimburse expenses, questioning everything. taking forever to respond. their agents seemed stressed and overworked. then all the news came out about the owner of the company filtering money out to buy homes and expand their own wealth- but not actually pay to keep the company in good standing. that is the point at which i left.

when i closed my account after being with them for years they just dropped off. there were still refund checks i should have received NOT A PEEP FROM THEM.

the amount of hours i spent on the phone with them to follow up on things was like a part time job. not worth it.

I really wish I could write a better review for this share program. But for several years now they have not been a good steward of the shared monies. The price of member sharing went up astronomically and things were not getting paid. We recently decided to change to a different share company because our daughter was born with Down Syndrome in December. She, needing some interventions now and in the future, we did not feel comfortable going forward with Liberty because of the lack of stewardship over the past several years. We needed something we could rely on now raising a child with disability. We paid for our membership though January after she was born on December 16th, as the new company would not allow us to enroll until January. Because we were two weeks shy of the 60 days, Liberty will not honor the 7 years we paid into sharing, this after mismanagement of our monies for several years. We tried our hand at appeals and reached out to the CEO, they told us congratulations, and denied our appeal. Now we are stuck with over $19,000 of bills from her birth. We should have extended another month as they required the 60 days after service. we should have paid better attention, however having a child born with Down syndrome was a huge change in our lives emotionally and it slipped through the cracks. It was literally two weeks shy of 60 days! We will take ownership of this. However, It was beyond disheartening to have been told it was not fair to the other paying members now, but for years our monies were mismanaged and that our plea for help was not considered. We had doctors calling us for bills that hadn’t been paid for months and months because the office was told “they were behind” by Liberty. Those bills were not even paid by the time we severed ties in January and now we will have to pay those bill too! As a Christian company I’m disappointed, and frankly saddened. I don’t write this review because I think it will change anything but because I want others to consider carefully what sharing company you chose. We chose it Initially because it was affordable and they aligned with our Christian values. My husband is self employed and we could not afford much else by way of coverage so it made sense. Unfortunately, just because something is a Christian organization does not make it good. The idea is wonderful and if managed properly, could be great! But this was not the case here. I sincerely hope this does not happen to anyone else. I hope and pray liberty will get their act together so others don’t end up with medical debt like we have now and collectors calling them.

That it functions just as a health share should function. There is SHARING of expenses, transparency, and a good base structure by not allowing certain pre-existing conditions for individuals to enroll. The member supported structure seems to work well for most situations within a generally "healthy" member group.

I love the idea of health minded people who can manage the cost of their medical services banding together to share unusual expenses

It is more affordable than my traditional insurance option.

I spoke with Charnelle who was so calm! She answered every question regarding my bills and explained the negotiations that LHS had with my provider. She also explained to me what services Self Pay Advocates assisted with and provided me their contact information. What amazes me is how she went above and beyond and even called one of my providers to advise that a check was sent out. Her customer service was outstanding.

Affordable premiums & focus on reducing heath costs. It has provided me with a affordable way to help with my medical expenses over the years.

Shane was a delight to work with, he alleviated any doubts I had about enrollment. I appreciate his professionalism and kindness.

Affordability. Friendly customer service. It has provided me with a affordable way to help with my medical expenses over the years.

It is affordable and has worked for us, albeit not seamlessly. Better than health insurance.

This is even MORE Amazing!!! Their CEO of actually sent me a letter addressing their "Backlog...how it developed and then makes a whole 9 paragraphs of the same stuff we have been hearing for over 5 years about how they are going to "reduce the backlog"! This (like every "person" that believes in "endowment funding") is now saying that "Unfortunately, the timeline for when we share into an individual bill in the backlog truly is unknown. We are constrained by what is contributed to SHAREPOWER and how many bills are submitted each month"! So if this is the case...WHY SO MUCH BACKLOG and moreso...WHY ARE YOU USING MY Share TO ADVERTISE ON SO MANY RADIO STATIONS????? And of course after all of his BULLCRAP...here is how he signs off..."I pray that God richly blesses you and your family and ask that you continue to pray for our ministry...In His Love and service"
So does this sound like somebody that is actually going to pay "Backlog Bills"? Or does it sound like an "Endowment Program"? Dorsey...address the question directly... How did this HUGE amount of BACKLOG occur and WHY was it NOT COMMUNICATED to the paying members that are SUFFERING from this NONSENSE EARLIER???? Your explanation addresses the "sharing versus Payouts" but like a politician....you skate around specifically addressing a timeline! I actually just got a bill that was submitted many months ago. Because two doctors submitted exact same amount...only one was paid because nobody looked closely enough at the bill to see that there were two different providers!
Feel free to reach out to me again Dorsey.