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.

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.

I required back surgery in 2020 I required back surgery in 2020. Went through review, got all required approvals. Paid my share. Then started trying to get hospital bill shared by Liberty. It finally ended up in their MCSS partners who negotiated with the hospital for a lower cost…meanwhile I am making payments out of pocket to avoid collections issues. MCSS told Liberty in summer of 2021 they owed hospital X and needed to reimburse my Y. No ambiguity. Liberty finally submitted for sharing in Sept of 2021…still waiting. They did pay part of the hospital bill, but so far have not reimbursed me…apparently I am considered “backlog”.

Unpaid bills since 2021 with $23K in collections are all paid now. Our family has been a member of Liberty Healthshare for years and years. And Liberty Healthshare has not covered our bills since 2021. I don't know if they will ever pay. --- Update 10/19/2023: After a 1-star review on TrustPilot, LibertyHealthshare contacted us and assigned a dedicated rep to look into our unpaid bills. It took 3 months and all of our outstanding bills are now paid.

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