A response to LHS In response to Liberty Health Share's response: 1- UCLA required $180,000 upfront for a delicate surgery I desperately needed. Why? I was informed their dealings with LHS left them footing the bills (to what financial extent I don't know). Who has that kind of money accessible??? 'Voluntary sharing" sounds great!, but most people with LHS buy into it due to the more affordable monthly cost over 'health insurance'. But when you need it, really need it, is LHS there for you? I waited nearly 4 years to have the surgery. I was scheduled twice but postpones due to the 'sharing' that caused the problems. Thank God I turned 65. Having Medicare and an affordable supplement, UCLA immediately scheduled my surgery. But, by that time my situation excerbated. 2- When a person is ill, they may not have the energy to deal with submitting paperwork monthly. They may be unable to get out of bed! Having to submit monthly forms to get $30+ back? Think of the time it takes them to process it, then send you a check. Their chances of keeping what you're due is more probable. $30 x 12 = $720/yr. Multiply that by members who are too sick to remember, or in my case taking care of a parent with dementia that leaves you emotionally exhausted. I challenge LHS to lower the cost of the monthly fee and do away with the monthly paperwork. 3- Their response to me stated, "managing your own healthcare can be a bit confusing". Then why the h-e-double L does LHS make it 'confusing'??? 4- Research on line the complaints they've received over the years. My best guess is that the only individuals who aren't complaining, are those who haven't been sick. Yet. 5- Looking back in my correspondence, I had to work with the Legal Department at The Medical Cost Savings Solution, LTD at LHS recommendation involved after a pneumoia hospitalization. That's how 'confusing' it was. 6- Good grief. (And grief it was.)

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.

This is the absolute WORST choice you… This is the absolute WORST choice you could make. They don't pay bills, everything that is submitted ends up being sent into collections. You get NO help from anyone. Your credit score will go down due to non-payment of your bills. They don't let the Doctor or the hospital or whoever sent the bill know what is going on so they throw you into collections

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!