Liberty HealthShare Reviews

I remember being concerned when we switched to Liberty Health Share almost 4 years ago. I wondered what we would experience in this new healthcare model. I’m so happy to report that it’s been an incredible relationship!! This model feels ethical, fair, and more aligned with our personal approach to wellness and healthcare. The customer service is fantastic, and our health care needs are met. We are grateful to Liberty Health Share!

The customer care representatives I dealt with were very polite and took the time to answer all my questions, I thank everyone for being very helpful and thoughtful with helping me, I would highly recommend Liberty Health Share for all your health share needs.

We have been with Liberty for 6+ years. It used to take awhile to get paid but now it is very efficient. as soon as you get your bills in, it takes about two months to get money back and they are very receptive to any problems you are having with your clinic/hospital. We have places that submit the bills for us and sometimes we have to submit them. We have had multiple surgeries and visits and have not had any major problems with Liberty taking care of it . Most of the people that answer the phone are very informative. Especially like when I get Stephanie.

On 11-18-25. I was having problems with the HST log in. I explained to her that “I had tried several times to sign into the site, but it was not working”. The customer rep took my information and reported it to the tech dept. She was very informative , patient, and professional,

When I lost my job I joined Liberty Health Share instead of going into the marketplace or using COBRA. After only being a member for a few months I was diagnosed with colon cancer-totally out of the blue. I was worried that LHS wouldn’t be what I needed to help cover the expenses of my surgery. But I was wrong. I’m still in the middle of gathering medical bills and submitting them to LHS. Everyone has been very helpful in this effort and encouraging so that the expenses can be shared. I would definitely recommend Liberty Health Share.

I was very happy with my call. Short hold time and very kind representative that answered all of my questions.

I have been a member since 2018. The representatives I spoke to were Tracy and Toni. They were both very helpful in explaining how the sharing works for a colonoscopy. I was very stressed and confused by the changes made to the sharing of this procedure.

I don’t like that it’s now a very expensive procedure where I need to use my entire deductible plus. This is a lifesaving screening and should not be such a huge expense.

But I understand how the billing process works now thanks to both Tracy and Toni explaining it to me in a pleasant and personable way.

The Liberty representative(Stephanie) quickly understood the problem I was having acquiring an itemized bill from a hospital. She joined me in a call to the hospital and waited for several minutes with me while the hospital had us on hold.

She quickly handled the issue with the hospital in a manner I couldn’t have – and we were done. Her patience and expertise were greatly appreciated.

I’ve been a member since 2017 and have used LHS as my only heath care program. The improvements made over the past 12 months have greatly increased the response times to submitted medical expenses. Today, Tracy Hughes went above and beyond to help me with some expenses that were very complicated. She stayed in touch with me, worked with processing, and was able to resolve the issues in order to have checks issued. I am so grateful for Tracy and the time she took to help me.

Liberty has been such a blessing in my life. They have exceeded every expectation I had and walked me through the toughest five years of life. 1000% recommend

Been with Liberty for a full year now and they have been great and easy to communicate with and the benefits have worked out well for our family. A blessing!

Liberty Health Share has assigned my account to a personal liaison and her name is Tracy Hughes. She is absolutely amazing and has given me the best customer service I have ever had with any company by far. She goes the second mile always, is patient with explaining things and re-explaining things to me when necessary and is always polite and professional on all 3-way conference calls when they are necessary.

At the end of the day when someone feels trapped by insurance complications and seems to come to the conclusion that there are just no answers, it is incredibly important for the the insured to sense that they are being understood and their situation cared for in a firm and timely manner. Tracy has completely turned my mourning to dancing with the complicated matters I have undergone and is a real tiger to tackle these situations in the kindest way. She is always available for even the smallest questions and always returns my emails and phone calls. I could go on and on but suffice to say that Liberty Health Share and Tracy Hughes get a gold star in my book and Tracy needs a promotion and a big fat raise! Thank you so much

I have been a member of Liberty HealthShare for several years now and have experienced nothing but positive changes and improvements along the way. Liberty HealthShare is a wonderful sharing ministry, NOT insurance. Members support one another through monetary contributions, prayers and a team of compassionate, knowledgeable and pleasant individuals. Shout out to Toni, who I spoke with today! We know the healthcare industry can complicate so many facets of medicine, not necessarily intentionally, but it happens, and as a Liberty HealthShare member, a team “advocate” (that’s how I would describe them) helps me navigate some of the questions and takes the time to explain, or help resolve, issues one might be dealing with. I love knowing I can reach out to them and they have my best interests at heart. I can’t say enough about Liberty HealthShare. And, this is a big one, they are more cost effective, for us, than a health insurance company. They help negotiate fair and reasonable pricing that has helped us save money. I would encourage reaching out to them if you’re looking for a sharing ministry…or an alternative to traditional health insurance.

We’ve been very happy with our experience with liberty up until my most recent well care procedures then they only paid about 10 percent and turned my case over to a third party team, which was probably paid enough to take care of a much larger portion and they accomplished nothing . My issue was that the same previous procedure about 4 years ago was nearly all paid and we had no indication that this time would be different. We called to speak with a supervisor or manager, we were told there were no managers, so we sent an email, and to this day no response. Leaving us with a nearly 600 per month expense to the hospital for over two years plus our premiums to liberty. I understand they are not an insurance company but they changed what they pay without any communication which if we knew in advance could have not done the procedure or been prepared. I’m retired but not on Medicare yet (not that it’s much better but you know where you stand ) instead we were blindsided without any contact or explanation.

I’ve been a member with Liberty HealthShare for 11+ years. They offer very competitive rates for wide range of benefits and their customer support, is 2nd to none . Very satisfied and happy client/ customer

I’ve been with Liberty HealthShare for almost 2 years now and have had no complaints whatsoever. As a small business owner in a state where health insurance is ridiculously expensive and a hassle to deal with, they offered such an appealing alternative. The monthly share amount is so much more affordable, and their customer service representatives go out of their way to answer any questions I have regarding my plan or resolve any medical billing issues with kindness and understanding, Karla in particular during my most recent phone call. I’m also considering adding their dental plan. Bless you all for the work you do.

I’ve been with Liberty Health Share for over 9 years now, and recently had to have a hip replaced. LHS made everything so simple and manageable, and covered all my expenses after my annual share was utilised. I’ve had regular health insurance for 30 years prior to LHS, and I have to say that I am extremely satisfied with not only the purpose of LHS, but with the follow through when you need them.

We’ve never had a problem with Liberty paying out claims on a relatively timely basis. We’re also finding more and more places that will bill Liberty directly instead of being reimbursed. They may have had a problem a few years ago paying out on a timely basis, but not so now. The only issue we’ve had is that providers sometimes have trouble providing us with the proper info needed to get reimbursement, because they’re incompetent. Much better than paying out $25K under the ACA before a single bandaid is covered at 80%

02/23/2024 Liberty Health Share is a scam. Stay clear of this criminal scam company, and I don’t mean back a few years ago when they were sued for fraud and embezzlement, I mean now in 2024. This company only takes money and never pays the bills you submit. The phone help only gives you the scripted run around trying to tire your out so you give up and they keep your money. They won’t let you cancel your auto payment on the phone and require one month notice in writing to cancel your billings.

STAY AWAY FROM THESE CRIMINALS! LIERTY HEALTHSHARE IS A SCAM!!!

A good idea – healthsharing – when managed well. Sadly, we’re waiting for bills from 2020-2021 to be paid to a children’s hospital. Other bills the providers made us pay and so now the money is owed to us. I haven’t given up all hope but I sure don’t have much for those bills getting paid any time soon if at all. They will get to it someday, we’re told, as finances allow. I could have taken insurance through work and now have it. Wish I had done that years ago but I believed in the concept of medical sharing back then.

I was a paying member for 10+ yrs. A medical emergency left me with large hospital bill. Liberty paid 1/6. Now I have a huge medical debt. They are not an Insurance company, they are a “Christian” ministry that takes your money but won’t pay your medical bills?

I have been extremely frustrated in the past with Liberty. I have noticed over the last 8 months their reimbursement is getting better. I hope it stays that way.

We have been sent to collections for Liberty’s unwillingness to pay bills. We trusted this “ministry” but DO NOT put your money money here. You will be disappointed and ruined. My wife’s stellar credit is tanking due to the surmounting pile of unpaid invoices. Some of these are over 2 years old. Liberty says they don’t have the money currently to pay. I found a disturbing article on propublica about Liberty Healthshare. Look it up Liberty has used the money for everything except paying medical bills.

Started out okay then became incredibly cumbersome to process reimbursements. Payments were never made in a timely manner and required a lot of additional documentation which became extremely time consuming. Additionally, the cost has grown tremendously each year. It’s not all that different from typical health ins. Terminating the service now only to find I need to mail in a written notice. Disappointing and costly experience all around.

Stay away!!!! This is the worst company to do business with. They failed to pay a hospital stay which put my credit rating in a tailspin. 1 year after that was resolved they refused to take care of another of their responsibility and I paid it to avoid the same issue. I was told I would be reimbursed but it has been 2 years. Just last month I had to pay 100% of my annual that is supposed to be covered. This company is a sham, look up all of the lawsuits, buyer beware!

I had issues with Liberty then I read this news story and knew why…https://www.propublica.org/article/liberty-healthshare-healthcare-sharing-ministries-obamacare

This company is in trouble. They are not able to pay long-time customer’s medical bills. I have two accounts in collection for bills as old as 2020. It has been a nightmare ever since I joined in 2018.

I would rate a negative 10 if I could. Stay away!

I ALWAYS Pay on time for the past 6 YEARS and I been waiting over a yr for them to pay a bill, thanks to them my PERFECT CREDIT is RUIND and I’m on COLLECTIONS , they never took the time to let me know I was waiting for my turn in line for my bill to get pay, now every time I call they will say “they are working on it “

You can cancel your policy at any time…Great !!! But, did you know once you cancel, Liberty Health Share also cancel your policy for the last 2 months and does not cover you at all. They accept your money but not your bill… As a result, I paid almost $1000 for the last 2 months premium and have to pay all medical bills including MRI, blood work, biopsy and all doctors I visited. That will put me in debt like it is no one business.

The reason?? They claim they have to protect their ministry. What about their clients ? They just don’t care. Money making is the only reason why they are in business. Non profit organization ? Christian base ? Let me laugh… They just a bunch of thieves. Nothing else.

They started off well, but then got too popular, stopped paying medical bills (so the medical provider may come after you directly), and the icing on the cake is the $200 and below ineligible costs. My family has a lot of doctor office visits and they’re always $200 or less, so we’re out of pocket for thousands of dollars that can’t be shared and don’t even count towards our AUA (basically the deductible) and we have their most expensive plan! This is a big reason I’m looking to dump Liberty.

I could write a really long description of their mistreatment of me as a member, but I’ll try to be brief. When I first started using them about five years ago it seemed much better. Then they stopped paying the bills they were obligated to pay in a timely way. Apparently, they had some scandal with their top leadership misusing the members money (not something most people know), and then things started getting more expensive, and less benefits. They failed to pay one of my claims for so long it went into collections, ruing my credit while I was trying to buy a house. This caused my interest rate to increase by 1/2 point. That’s a lot of money over the term of a mortgage. Now the latest incident is that they have had me wait almost the full 120 day maximum (it’s not 90 days as you state in your summary) to get reimbursed for a $10,000 claim. Their people are trained to avoid answering questions directly, and go back to the statement that “This is not insurance. You are responsible for covering your own medical expenses.” If, I’m totally responsible why am I paying you guys $687 per month!

Never, Never, not ever should anyone sign up for this rip-off plan. I suspect they will be out of business soon.

Liberty Healthshare has not paid bills that meet sharing requirements that are almost a year old.

I have used Liberty Healthshare for the past few years. I truly appreciated so many parts of this provider. First, the price is unbeatable, particularly for a big surgery I had to have.. And second, beyond my deductible, I was eventually reimbursed for all expenses. However, I sometimes had to call and figure out why I wasn’t getting the whole amount and then get it fixed. Also, reimbursement took me up to 9 months, which is very odd. When I called Liberty to ask when I would be getting the checks, I was told they had no idea and could not answer the question. Twice my medical providers threatened me with a collection service, and I had to take a great deal of time to prevent this, all due to Liberty not sending them the reimbursement check in a timely fashion. However, all of the people I have spoken with there were patient, caring and helpful.

I have been with Liberty for 5 years and really never needed it until I fell and broke my ankle last summer. I had surgery in June 2021 and to date, the hospital bill has not been paid. They have only paid the smaller bills that came in as a result of the injury and most of my providers now expect me to pay the minute I walk in the door. No billing for me, and they will NOT submit to Liberty on my behalf anymore.

After being a member for 6 years the premium increase from 650$ a month to 999$ a month has pushed me over the edge! In 6 years I have only made one claim. I had an appendectomy in April of 2021. I have been sent to collections by the hospital, surgeon, and anesthesiologist. to protect my credit I paid the surgeon, anesthesia out of my pocket, and set up a payment plan w the hospital. I have contacted liberty healthshare regarding payment countless times. I get the same story every time- Its in the funding department ready to be paid.

I refuse to give this (Christian) organization another dime!! A more appropriate name for the health share organization would be satans healthshare! Or Liberty healthscam! This is a horrible organization! I encourage any member to change and avoid the financial problems you will have if you do encounter medical bills.

The language i would prefer to use to describe them would probably sensor this review!

As a Liberty Healthshare member for 9 years, I wish that I didn’t have to say this, but STAY AWAY FROM LIBERTY HEALTHSHARE.

I never needed to make use of Liberty until last year. My wife needed expensive surgery for tumors and the procedure was approved by Liberty. Now, almost year later, I am still owed $40,000 in reimbursements and all I get from Liberty is “First in, first out”.

I had to beg and borrow money to pay providers and collections people. And my credit it ruined.

Just do not risk it! Their reimbursement times take forever (my oldest bill is 9 months old since submitted date and counting) and they have made no progress on my bills in over 3 months- literally not a single thing paid since January. They used to pay things but now they do not anymore. They owe me almost $6k and I am lucky I didn’t have more medical bills than I did! You can lose your shirt if something happens. Their policies keep getting more ridiculous and their wait times longer and longer. Also stay away from Crossway, Netwell, and Share Healthcare. Every time one of the Liberty founders healthshares go under, they just start a new one and those are their new ones.

I have had Liberty HealthShare since 2015 and in the beginning they did alright. They paid what they said they would pay albeit in a much later timeframe but paid. I had a huge surgery that they paid every penny of and went the extra mile to make happen in 2019 but other than that every single bill has gone to collections that they are supposed to pay. If I pay out of pocket they never reimburse me. The last check I received from them was a few years ago. This past Friday I received a bill from my gastro doctors office with bills from more than a year back unpaid. I hadn’t seen anything so I was shocked. Their cover letter states that Liberty told them that they had not released any payment due to “lack of funds” on their behalf with no explanation of when they would pay. My credit used to be over 800 and it has tanked because of Liberty. I am an independent contractor (Realtor) and I can’t even get any kind of insurance until October so I don’t know what to do. I have called them over an over and get the same response…they are working on it….considering seeking a lawyer….

Currently Liberty has over 1000 complaints with BBB over 300 with Ohio AG, and a class action lawsuit has been filed and settlement with Ohio AG with all kinds of allegations…how they have any members is beyond me

Went for a office visit and negotiated the lower price myself. Had to get the health codes myself despite having called their customer service three times prior. Seven weeks later, called LibertyHealthShare for an estimate of when I would be reimbursed for the paperwork I submitted 7 weeks prior. That’s assuming they like the health codes provided by the doctors office. After 3 phone transfers and 40 minutes, they had no answer! Then some bish transferred me back to the regular line instead of a supervisor after lying about having an extension… that she couldn’t transfer me to. Not to mention they’ve raised their prices 30% for 2022 and with a 25% co-pay for the same “coverage”. This means that for a 600K per occurrence max limit, you pay monthly premiums + 150000. Our advice would be to look elsewhere.

Don’t waste your money. I paid every month for 5 years. Last year was the first year I ever needed anything to be shared. Very quick to take my money but stupid slow to help. Now they’ve raised prices way past what catastrophic insurance would cost but they only offer catastrophic level coverage plus they added guilt trip if you need to use it.

Liberty Healthshare was fine until a few years ago. Now it is a mess, sad to say. I do not recommend it to anyone.

As self-employed people, we were priced out of any health insurance plans after the ACA went into effect. The last year we had insurance, it went up to almost $20,000 a year, with (I think) a $10,000 deductible. So we dropped insurance, and were happy to find Liberty. We planned to use it just for catastrophic coverage, and pay our regular medical expenses out of pocket, as we had to when we had insurance.

The first year was fine, and then we DID have catastrophic expenses — when I was diagnosed with breast cancer. Liberty covered that, praise God. Since then it has been one problem after another. They are insanely delayed in paying providers, and won’t reimburse for annual wellness exams or mammograms, even though that’s required by law. On paper, they SAY they do, but I am currently in collections for my April 2021 mammogram, which never got paid, as well as charges from a 2018 mastectomy that should have been taken care of long ago, and I assumed HAD.

We are hanging on until we can get Medicare, because insurance is still unaffordable for the self-employed.

Liberty was a great concept and probably worked well until it was overrun with people fleeing from Obamacare. They got overwhelmed and have never caught up.

It’s not more complicated than that. Might as well set your money on fire. Bills remain unpaid, go to collections, credit tanks, you pay it anyways (with the credit hit) then never get reimbursed. Just read the other 100 examples of it.

0/10 would not recommend. My disappointment is immesurable

So I have been a member for 8 years or maybe more. Never used their service or need until I was diagnosed with cancer. I got all surgeries approved, all radiation approved and was told a year and 2 months ago that I would have a $2,500 deductible. The rest would be paid. Well after a year they still cannot tell me when the doctors will be paid for service. They cannot tell me who is in charge of that department. I have paid ever $6,000 out of my pocket, in collections and as I call liberty health share for answers I get , “ I don’t know, I don’t know. I can answer that”

I they are such a scam! Do not. I repeat! Do not pay one dime to these crooks!

Once again a scam in the name of Christ!

We have been with Liberty Healthshare for 6 years. The first 4 years were great. Most of our providers would bill Liberty directly. I had to stay on top of making sure all the correct paperwork had been submitted but I figured it was worth the savings we were getting. During the first four years, our family had 4 major surgeries all of which were covered as specified.

Fast forward to 2020 and things fell apart. My husband had a back surgery scheduled for the last week of December and the hospital called the week before and told us they would no longer bill Liberty because they took so long paying bills. They gave us a huge discount but we had to pay nearly $50,000 out of pocket. Liberty promised to reimburse within 180 days. My daughter then fell and had to have surgery in February 2021. There goes another $15,000 out of pocket. Who has this kind of money sitting around. I assure you we do not!

So here we are a lot of phone calls and broken promises, looking for a lawyer and we finally received reimbursement for my husbands surgery in January 2022. Over 12 months later.

Did they pay? Yes. Was it stressful? Yes. NOT WORTH THE SAVINGS.

We are in the process of dropping them and going with a different plan. We will pay more out of pocket but without the stress. We still hope to be reimbursed for our daughters surgery but we can no longer hold our breath.

If you have plenty of money that you are willing to pay out and wait for reimbursement. Plus plenty of time to sit on calls and are willing to take their promises with a grain of salt and just be patient, this may be a good plan for you.

Before you consider Liberty Healtshare please go to the BBB of Canton, Ohio and the Attorney General of Ohio and see the complaints and reviews…you might also check with you own Attorney General…the shear volume of complaints will overwhelm you…

They currently have masses of complaints with Ohio Attorney General and other Attorney generals all over US and reviews on BBB are a nightmare…run run run. Currently if u can get a straight answer they are paying bills 12 months out and more

Health shares are amazing! If you haven’t already look into getting shared cost and reliable care that you and your family needs.