Liberty HealthShareReviews of libertyhealthshare.org

I would give NO stars if I could. We paid into this "Healthshare" staring in 2016 when it was only $785 per month for our family. Since, we hardly ever visit doctors/hospitals, this was mainly for catastrophic/emergency needs. It includes 1 wellness check each year for the women in our family, which is perfect. However, when we called to use it, none of the OB's in the area would take it. We had to drive an hour away and had to pay out of pocket, just to wait over a year before they reimbursed us. Just recently in March, our premium went up to over $1225 a month, which is what Blue Cross Blue Shield charges for real insurance. My daughter got in a accident and maxed out her PIP benefits and LHS repriced the $5000 claim for the Neurologist so only a few hundred dollars went towards AUA and the rest was my responsibility. So basically, the entire $5000 bill is mine and I did not even get close to meeting AUA. On top of that, they said if I stopped paying my premium, the last two month of claims would be sent back and I would have to pay all of those claims too. So they make you pay for 12 months, but you only have 8 months of coverage bc the first and last two months are not covered. THIS IS A TOTAL SCAM! FOR 6 YEARS I'VE PAID INTO THIS SHARE FOR THEM TO COVER 2 WELLNESS CHECKS. THEY WILL NOT BE THERE WHEN YOU NEED YOUR CLAIMS PAID.

I have been a member for about 5 years. We are a healthy family, yearly check-ups and the occasional sick appointment. I have been paying them over $600 a month for years, they have always been slow to pay, and now they just don't pay. Routine appointments and 1 year later they still have not payed them, collection letters are starting. Most offices will not reprice because they haven't received anything from LHS. So now I am paying LHS my $624 a month "share" and full price for overdue medical bills to save my credit. Their response, " Medical collections under $300 don't count against your credit." What kind of crock is that? Just pay the $800 in claims filed over a year ago!

It deserves NO STARS. Regretfully I must join the extremely poor reviews of this company. Can’t believe what they tell you and when and/or if you get any money for legit expenses incurred in accordance with their not-for-profit business model. AVOID JOINING THIS ORGANIZATION. Extremely dissatisfied, I remain.

Truly horrible. Was a "member" for three years up until December 2021. Repayment got slower and slower in 2020 and 2021. Do not have your medical provider bill them because they will not pay on time and then you'll end up on your way to collections. It's "faster" to pay the bill yourself at the cash rate and then submit to Liberty for reimbursement, but then you have to submit detailed/coded bill or they will reject. Right now I'm waiting for over $5,000 in expenses to be reimbursed from last year, some of which were submitted over 9 months ago. They can't tell me when they will be reimbursed no matter how many times I call or who I talk to. Also, if you plan to cancel Liberty, know that none of your expenses within the last 60 days are "shareable" (reimburseable). Those rules got changed just as I was thinking about leaving so I got stuck with some expenses I couldn't get reimbursed. Note, they can change their sharing guidelines anytime by giving notice which they do more often than you'd think. Finally cancelled and went with healthcare.gov because it was actually cheaper and way easier to have real insurance again. This is a real nightmare and huge waste of time I wish could say was over.

I can't even give Liberty one star (but I accidentally did) DO NOT CHOOSE THEM! SAVE YOURSELF! I diligently paid my dues to Liberty Healthshare for 5 years. As others have reported, I turned 65 in January 2022, so went about the process to be sure my membership with Liberty would be cancelled as of 12/31/21. They mentioned nothing about the 60 day-prior-to-cancellation policy - in other words, any bills incurred within 60 days prior to your cancellation date WILL NOT BE PAID. But REALLY what it is, is any bills SUBMITTED within that 60 days prior. So, my medical bills incurred on 10/20, 26, and 29 (outside of the 60 days and should be eligible) were unfortunately submitted by the provider in November for those dates and now I am told those service are not eligible for payment. I asked to speak to a supervisor. Customer service rep, Connor, would not let me. OH! Also, Liberty owes me for eligible services that I paid for nearly a year ago. I asked Connor about that as my understanding is that they have 180 days (6 months) to pay out. He informed me that this policy has now changed to "no time limit" to pay. Oh. Really. I said, "I hope it won't take 10 years". He said "I hope not too". I am INFURIATED! A Christian (????) company? WTH? (sorry) They are unethical. I have bills upwards of over $1000 dollars that should have been eligible and now they conveniently change the policies to their advantage. This is so, so wrong.

Do NOT sign up for Liberty Health Share. Under their newly instated rules, ANY medical expense that occurs within the last 60 days of cancelation will NOT be covered, even accidental claims. My wife will be turning 65 in May of this year so will be canceling once on Medicare. We have been told by Liberty that because of this, any medical expense she occurs now will NOT be covered. So if she is in a car accident and hospitalized, even though we are paying their monthly premium, NO expenses are covered. I even talked to a Supervisor who actually agreed with me that this was wrong and unfortunate.

Was with LHS for three years. Never used it, was hard to get a doctor to wrk with them. When cancelling, I tried to get my renewal back and it's been over a month and they keep saying, "it's in the process." Don't believe the religion theme they are pushing.

They did pay for part of my annual exam, but it took 8 months to receive reimbursement. Beyond that, it looks like nothing is covered unless you exceed some large amount, and then I doubt it would be helpful. I also found that by having them, even though I was still essentially self-pay and was told to report that I am self-pay to the hospital, the hospital found me in a data base and treated me as if I had regular insurance, so I paid almost twice as much. Ouch. Finally quit -- and that was a huge hassle. They required me to use send email to a special email account to cancel, but the email account was broken. I had to verbally instruct them a second time to cancel me. Then they still billed me again the next month. They admitted it was a mistake, said I'd have a refund in 3-5 days. Didn't come. Called a week later and was told it needed another 3-5 days. Called a week later and complained. Was told a manager would call me back. Didn't happen. Called again and found out that the whole time, there had not yet been a refund request submitted. But not it was in and should result in a refund -- sometime. Very distasteful and feel stupid for not having read TrustPilot before I wasted a year of payments on them.