Liberty HealthShareReviews of libertyhealthshare.org

Run, RUN from this company! Member since 2/19 Like so many others, I joined up for LHS to try and save money on health insurance. Works great if you don't ever have a medical issue. My wife went in for an outpatient surgery in February. She ended up having to stay a night in the hospital. Bottom line, nothing has been paid and like so many others, we are getting bills and threats to be sent to collection. We are having to pay almost all of the bills out of pocket to keep our credit from being trashed. Unfortunately one of those bills is a huge number and I am not sure how we are going to cover it. LHS hasn't even paid the paltry amount that they have agreed to pay. I was told recently by a representative that they are on a "First in, first out" payment policy. Meaning they are paying the bills in the order they come in. Problem is they are just now getting to paying bills from Oct. of 2020! I can't think of too many healthcare providers who are OK waiting almost a year for payment. I honestly don't know how this company stays solvent. I am now forced to go back to my original insurance and pay the insanely high premiums. At least my bills will get paid in a timely manner and I won't get stuck with tens of thousands of dollars in medical bills that don't look like they are going to get paid. Oh, and their Medical Cost Savings Solutions is a joke. I called them to report a balance bill and the person I talked to sounded like she had no idea what I was talking about. DO NOT go with this company!

Haven't done any business with them in quite a few years. No further comment.

This organization took membership fees promptly, but never paid for any of the services promised in their membership coverage. They even refused to pay for a pre-authorized proceedure. How they get 3 stars here with only 1 star reviews is baffling. My family under separate Liberty Healthshare memberships in different states experienced the same problem, money in to them but no money out ever ... so we switched to Aliera Healthshare which honored membership payments for covered proceedures in 2019, but stopped paying any covered proceedures in 2020 when they switched their name to Trinity Healthshare. So we have moved to Aspen Insurance which is as cheap as these healthshares, but is regulated by the Insurance industry so they cannot refuse to pay plan-covered proceedures the way healthshares can. If you read the small print in healthshares they even say their payments out are voluntary and not guaranteed, while your payments in to them are guaranteed and not voluntary.

Liberty HealthShare is a really bad choice for a healthcare insurance plan. I've been battling with them for over a year to cover an operation they pre-authorized. Now, they're telling me it wasn't covered. It was a recommended procedure that I wouldn't have done without the coverage already in place. As such, I'm being saddled with thousands of dollars in payments they are responsible for. They masquerade as a non-profit ministry here to help its members. What kind of help is this? It sounds like a typical for profit greedy insurance company looking for any excuse to deny a valid claim and line their own pockets. The only reason to have an insurance coverage is so they're there when you need them, otherwise what's the point? Run fast.... and run far, far away from this shister company! (In reply to the message below) When a member follows your protocol and process for getting a medically mandatory surgery pre-authorized for payment and then you DON'T PAY once the claim is submitted, that is both fraudulent and criminal in my opinion. Your "ministry" as you call it lacks integrity. If you care to look into the details you'll clearly see my claim was not paid. And I still have creditors after me for a surgery YOU agreed to pay for over 4 years ago!