Look elsewhere Look elsewhere. Needed knee surgery in May 2020. Followed their pre-approvement procedures. Reimbursement has been a several hour battle of attrition every month since then. Their tactics include saying it’s been coded incorrectly, submitted incorrectly, can’t find the paperwork, etc. A truly awful bunch to work with. End every call with have a blessed day. Received our final check today, short paid of course by over a thousand dollars. What bothers me is that they tout that they are a Christian organization doing the lord’s work. To which the lord might say get off my side. You’ve been advised.

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!

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.

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.

take any other available option..DO NOT USE I cancelled my "membership" today effective 12/31/2023 when my new insurance would become effective. I was then told that anything submitted after the end of October would not be eligible for "sharing". I asked how this could be correct as I have paid my membership for November and December? I was quoted a portion of Page 11 in the guidelines. If I wanted to be covered in case of an emergency I would have to pay the January and February 2024 fees to be eligible for December 2023 potential services. When I look at my account I see that my fees have paid for others, but nothing for me. This is supposed to be a bible based Christian organization, I guess their Christianity only goes as far as they get money! Sounds a bit like the pharisees of old. All show and nothing to deliver!