Liberty HealthShareReviews of libertyhealthshare.org

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.