Liberty Health Share - POSITIVE EXPERIENCE 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!

Stuck with a lifetime of medical debt We were members of Liberty HealthShare from 2017 to to 2022 and that was the biggest mistake our family ever made; I cannot even begin to describe how this has affected our lives. We have thousands of dollars worth of unpaid medical debt which in turn means we are constantly receiving phone calls and mail wanting to be paid for these unpaid bills. Our credit scores have been severely impacted. We were “banned” from our childrens’ Pediatric office. The economy has been stressful enough on most during the last several years and when adding in the completely scam of Liberty Healthshare, our overall well-being has dwindled thanks to this “Christian” organization. Edit: (as of today, 03/24/2024) I was notified by email on 03/18/2024 that 14 of the unpaid accounts had a payment sent. Although unsure if appropriate amounts were sent, happy to at least see that action has been made but there are still large outstanding balances that need paid; specifically from service date 12/18/2018 with a balance of $9,762.69! Also 07/20/2018 for $437.96. Amongst others that I could continue listing. Was noticed of a payment sent for service date 07/12/2018 but unsure to which account as there are two accounts with that date of service. One for $2,025.56 and one for $170.45. Would like to know which one was taken care of!

I required back surgery in 2020 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”.

Constantly changing the rules because they can't keep up with payments We joined liberty healthshare In 2016. Family of five. We were enticed by their low monthly pricing and annual unshared amount as we my husband and I were both self employed with young children and were relatively healthy. In 2018, I suffered a medical issue that left me in a coma a two weeks of hospitalization. Liberty did work with me pretty well to navigate this, but my credit did take a hit. It was rough and the hospital was calling about payments. By 2021, everything was cleared up. However, oue monthly fees were going up and unshared amount was also going up, and liberty was covering/sharing less. We were also not getting reimbursements back in timely amount, with Liberty citing extenuating circumstances. In October 2023, my son needed a tumor removed. I went through all of the pre notification and worked with liberty to get it okayed. I started getting all the documents after the surgery and started sending It into LHS for reimbursement, but LHS said I had the wrong forms, not a UB04 and other tax forms. I provided all the information that they needed but they changed how they processed things and would not work with the hospital to get the right forms. We left LHS in Jan of 2024. I continued to send in paperwork for reimbursement but the story kept changing why it was denied. lHS would not get back to me. I sent in more paperwork and LHS finally said my claim was Deniwd totally because I sent it in after 60 days since we left. Even though it was the same claim and it was supporting documentation. And I had been trying to work with them and the hospital for months. They wouldn't take the information and kept blaming it on their processors. However , they somehow were able to reimburse our deposit that we paid for our son's surgery but not the whole surgery. When asked about this, they blamed my giving them information too late and the wrong information. I started giving them information and calling them a month after my son's surgery. In November of 2023. However, I kept them updated continually with their pre notification department right after his surgery that he was not staying as an inpatient. There is something that doesn't make sense. I have called, pleaded and tried everything. But, LHS is not a service worth working with.

I went with their premium program that… I went with their premium program that was to cover 100% after paying $1,500 out of pocket expenses up to $1M. They appear to have cash-flow and management issues and after nearly a year now have paid only a very small portion of the expenses related to my heart-related event. They make it so user-UNfriendly that anyone who is not tech-savvy (most older folks like me) will have a near-impossible time navigating the quagmire of their system. My credit is completely ruined and it is Liberty HealthShare’s fault.