Liberty HealthShare Reviews 

We had the plan for 2 years. No place takes it and when you submit bills, they wait a year to pay them while the healthcare company continues to call you. Terrible business and even tricked us with the last payment becuase you need to give 30 days notice.

Very helpful and informative, thank you

Terrible company and experience --- Did everything they asked - prior approval, negotiated with the provider, submitted paperwork on time etc. Bills of over $16,000 ( 4/21 - 10/21 ) still have not be paid. My savings was emptied in order to protect my credit. Many providers in the Cleveland market will not even accept Liberty.

Dishonest and Un-christian. In 2 months we incucred over $3200+ of medical bills, partially due to accidental injuries. Out deductible is only $3500, but we tried to be responsible and negotiated the bills down to $1869.40. Liberty Healthshare found a way to deny everything except $81.60 of reimbursement and only allowed $693.50 to be applied to our AUA. Upon explaining our situation and how we might need to cancel, we were informed that any expenses incurred in the last 60 days would not be covered if we cancelled, however we would not receive our contributions of about $1600 back either. In order to receive the $81.60 that they actually approved, we would have to spend another $1600 to cover 2 MORE months of contributions, but not bills submitted in that time frame would be covered. I asked what exactly we were paying for if they are not covering the time periods we have paid premiums for and was told, "Sorry it's our policy." There is no mercy here. There is no compassion here. There is no Christianity here. There is simply theft of funds and no service provided. They used to be great, but they no longer align with what it means to me to be Christian and certainly do not stand for what they claim to stand for.

A good review for LHS make you wonder...who's actually leaving these reviews. Maybe employees of Liberty Health Share!?! Especially since they seem to know everyone by name! Also makes me wonder why I just paid a $1,300.00 lab bill on 1/12/23. A bill that I was told several times by Liberty Health Share, "It has been proceed for payment", & I was even given an actual date as to when it would be paid out. However, Liberty Health Share NEVER paid it! This bill was from 2021...that's way more than 120 days! Wouldn't you agree!?!
Of course, they will never pay/reimburse me now, because I cancelled my policy with them...even though I was covered at the date of service and paid all my premiums to Liberty Health.
I was stuck paying an 8K medical bill after cancelling my coverage. I was told they had just implemented a new policy (how convenient for them). They will not pay any expenses 90 prior to me cancelling coverage. Funny that when I called to ask how I go about cancelling my coverage, this was NEVER mentioned. I even ask, "So, I'm covered up until my date of cancellation?" I was told yes, but when it came time for LHS to pay an 8K bill, a bill that was well within my coverage date, it was denied. Explain to me why I paid premiums for those 90 days if I wasn't covered...it doesn't make since? At the very least they should reimburse me for those 3 months.

I really hate writing bad reviews for companies, but if there ever was a company that deserved all of the 1 star reviews you see here, it is Liberty Healthshare. They truly are a dishonest and unethical company to work with. Not only do they take forever to pay bills and provide reimbursement, they will slash your bills to a fraction of what they said they would pay and leave you with the rest of the bill.

Just look at the share guidelines. As of this year, they do not do any balanced billing. If you go to the hospital for an emergency or even a procedure they approve with a pre-authorization, they will cut the bill to Medicare rates which will be a fraction of the bill and leave you to pay for the rest.

I was given the wrong information from some of the associates at Liberty and it has cost us a lot of money. I have called a couple of different supervisors and nobody will return my calls or look into my concerns.

As Liberty states, they are not an insurance company. They pride themselves on being a sharing ministry doing great work for people but just read the Google reviews and look them up in the BBB to see clearly that they are not taking good care of people. Because they are not regulated by the health department as an insurance company, when they refuse to pay your bill or leave you with a large balance, you have no recourse.

My intention with this review is not to bad mouth the company but to save others from the same nightmare that my wife and I are dealing with.

We are a skilled inuring provider in Virginia. After providing months of skilled nursing care for a resident with Liberty Healthcare in 2021, we have received no reimbursement. We are out approximately $65,000. They have said the claims are approved but can not tell us if or when these claims will ever be paid.

I have been paying on-time (auto-pay) since April, 2020. Since day one, I've submitted zero expenses for sharing/reimbursement.
That's nearly $10,000 in funds I've contributed to this sharing "ministry." I have new insurance kicking in on Feb 1 and logged into the portal to cancel my membership and can't find any way to cancel. Now I'm reading reviews that Liberty Healthshare is more than 2 years behind in paying their members' reimbursements! My guess is that Liberty was unable to cover their members' expenses and is using new money to pay overdue health shares. Has it become a Ponzi scheme?

I required back surgery in 2020. Went through review, got all required approvals. Paid my share. Then started trying to get hospital bill shared by Liberty. It finally ended up in their MCSS partners who negotiated with the hospital for a lower cost…meanwhile I am making payments out of pocket to avoid collections issues. MCSS told Liberty in summer of 2021 they owed hospital X and needed to reimburse my Y. No ambiguity. Liberty finally submitted for sharing in Sept of 2021…still waiting. They did pay part of the hospital bill, but so far have not reimbursed me…apparently I am considered “backlog”.

They are the WORST at paying. I'm still waiting to be paid (on bills they AGREED to pay) 3 years later. They are very nice, but that doesn't pay the bills. DON'T go with them!

Save your money. They have not paid a cent. I was experiencing chest pains and was instructed by a physician to go to the emergency room. After covering my "deductible" they are refusing to pay any of the remaining expenses. Liberty is claiming that my bill was not submitted in a timely fashion. I have a letter from the hospital stating that they billed Liberty during the eligibility period and Liberty didn't pay. I submitted the bills directly after being informed by the hospital that Liberty would not deal with them. They still won't pay. Find someone else to buy insurance through. These folks are far from Christian. They are more like the money changers in the Temple.

Brenda Dodson Is The Best! She is patient, kind and still in the process of helping us understand all the ins and outs of our healthshare. We need some serious hand holding and have had a rough year. But she's been our Angel sent to walk us through the process. In fact, because of her we will continue with our healthshare

Believe all the negative reviews. After more than two years since we left the program we still have approved claims that remain unpaid. And that’s two years plus past the approved date.

It has been 1.5 years and still waiting for them to refund me for qualifying medical expenses. They have openly admitted to paying the more recent bills while older bills go unpaid.
Pretty terrible service

Response to Liberty’s reply:
You are not able to find our account because we canceled and changed when Liberty continually refused to reimburse us for approved expenses. Liberty claimed they were paying new expenses now and will work on the backlog overtime.
It’s been 1.5 years and I’m still waiting on that ‘backlog’ reimbursement.
All of this was after liberty raised prices multiple times and still wasn’t paying approved expenses.
Once we are refunded the full amount we were approved for I will edit my reviews to account for this being fully paid back as agreed.

***** UPDATE TO RESPONSE *****
I did reach out to customer support team and was simply told that they can't tell me when they will be able to pay back our medical bills. It is going on 2 years and they can't provide any answers as they are using their funds to pay new bills first and they don't have enough money to pay past bills. Terrible customer support and terrible business practices. They happily took money from me each and every month as I faithfully paid my monthly dues in exchange for the coverage they assured I would have according to their 'plans'
Now they are refusing to uphold their end of the agreement and yet happily took my money every month. It is sick and wrong how they have worked and essential robbed thousands of people that paid monthly without getting the coverage promised.
PLEASE PLEASE before signing up with them read reviews. Hundreds of reviews on BBB, Google, and TrustPilot showing how they do NOT pay the qualifying medical bills.

I have not used any service except 1 which now is changed

Long time user of Liberty 9 years. Minor claims mainly "covered annual physical/wellness" checks. In reality.. better just to self insure if you are otherwise healthy.

Just got dinged on a collection call because they had not paid our "covered" annual check up done 6 months ago.

Do not use this org... deceptive and does not pay communicated committed coverage in a timely manor. I can not imaginable if you had real issues on this program... you will be out of luck for sure.

This is a no trust org. I wish I could give it ZERO stars!

This company lied to me about my renewal rates last year and doubled them. I was too far past my company's open enrollment to go back and change it and not only did I have to pay 40% more for it? I also got less coverage. They also told me that they'd reimburse me for my daughter's required school vaccinations. Also a lie. After submitting it they told me it wasn't eligible for reimbursement. So I was out about $180. It took over 2 years to repay me for my son's claim and they never paid my daughter's urgent care bill for a broken collar bone. I had to pay the Urgent Care Company because they were going to turn me over to collections.

Once we got through to a rep who could hear us (phone issues?), Shaun was a rock star. In just a few minutes, he fixed the tech issue we had with contact and billing info, and stayed on the line to walk me through a few details to make sure the issue was corrected once and for all.

I think more people should look at these plans. Very reasonable cost, great customer service and benefits.