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 spoke with Charnelle who was so calm I spoke with Charnelle who was so calm! She answered every question regarding my bills and explained the negotiations that LHS had with my provider. She also explained to me what services Self Pay Advocates assisted with and provided me their contact information. What amazes me is how she went above and beyond and even called one of my providers to advise that a check was sent out. Her customer service was outstanding.

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

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.

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.