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.

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.

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.)

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!

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!