Waiting 2+ years for reimbursment I have been waiting for over 2 years for Liberty Healthshare to reimburse me for covered medical bills. I have called dozens of times only to receive the same response: "we have no idea when you'll be reimbursed" Nobody has any information and they are completely unwilling to help in any way.

Just don't! 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.

Do not trust Liberty to pay on timely basis or at all. 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!

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.

Liberty Healthshare? Liberty NOshare is more like it! $700 claim remains unpaid in over 2 years! They took my money and never paid the service providers, even though they represented to me that they would. I just received a bill two years later that they had promised to pay and never did. The healthcare provider tried no less than eleven times to get paid only to get nothing but ignored. I contacted Liberty Healthshare to press for an answer of when the bill would be paid, and the response I got was scripted doublespeak. i never got an answer to my question of when the bill would be paid or if it ever would. I am stuck with the bill, and here I thought it was taken care of two years ago. Thank goodness it was only $675. The problem with this outfit is that, unlike an insurance company, it is unregulated. The day I receive reimbursement is the day I shall take this down.