Liberty HealthShare Review – How I Get Healthcare While Self-Employed

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Update 08/01/2020: I do not recommend Liberty Healthshare. I am no longer using Liberty Healthshare. I now use Zion Health. As of this writing, I’ve had several negative experiences with Liberty with experiences such as not getting bills paid until a year later, bills almost being sent to debt collections, and not hearing back from customer service on many occasions. Also, memberships are increasing on October 1, so if you paid $199 for a membership like me, you will see it increase to $400 on October 1 going forward. Check their reviews on Better Business Bureau or you can find many blog posts from other bloggers on the negative real-life experiences from Liberty Healthshare.

Update 11/5/19: I’ve had several bad experiences with Liberty Healthshare. The process claim took so long, that my doctor now refuses to accept Liberty. Currently, I’ve had to submit the claim myself and have been waiting 1 month for customer service to even get back to me. I also had to pay for a bill myself because Liberty took so long to pay it, otherwise, it would have been sent to collections, hurting my credit score. As I am writing this it is November and the bill I paid for was from March. I still have not been reimbursed. Unfortunately, I do not recommend Liberty Healthshare. 

Disclaimer: I am not a healthcare professional and this review is solely my opinion and experience with Liberty HealthShare. Before you make a big decision involving healthcare and health insurance, you should do your research and make sure any plan will cover your needs and fit your lifestyle and beliefs. 

After being with traditional health insurance for most of my life, I decided to enroll in Liberty HealthShare due to the low deductibles and affordable monthly cost.

Working as an entrepreneur limited my health insurance options and the options I did have had insanely high deductibles with a high monthly fee.

I decided I wanted to publish this post once I had a few experiences using Liberty HealthShare, so you’ll see my actual bills of receipt and experience at the very end of this post.

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What is a health care sharing ministry?

A health care sharing ministry shares health care costs among individual members who have common beliefs.

Liberty is not like traditional health insurance.

They don’t have to accept everyone that applies and can say no to people who abuse alcohol or smoke.

With Liberty, you do not need to belong to a specific Christian denomination, instead, you need to agree to a statement of beliefs which you can read here. 

The benefits of a health care sharing ministry

  • Low deductibles (mine is $1,000)
  • Generally, cheaper monthly costs compared to traditional insurance
  • Freedom to see any doctor (no network requirements)
  • Liberty emphases the importance of living a healthy lifestyle, therefore that helps keep prices low

The downfalls of a health care sharing ministry

  • Not everyone qualifies based on their beliefs of lifestyle (smokers, obese, chronic health conditions do not qualify)
  • Liberty HealthShare is not under any requirement to pay off your medical expenses
  • You have to adhere to their beliefs
  • You cannot contribute to an HSA (Health Savings Account)
  • Medical sharing is limited to $125,00-$1,000,000 depending on the program you choose

How Liberty HealthShare works

1. Contribute your monthly fee. Each individual’s fee is placed into a Sharebox until it’s eventually matched to another member’s eligible bills.

2. Visit your doctor and show him/her your member ID.

3. Your doctor sends medical bills electronically to Liberty HealthShare.

4. Liberty HealthShare processes the bills for discounts and sharing eligibility.

5. Members contribute from their Sharebox to your secure online Sharbeox account (you don’t do anything).

6. You get a confirmation with an explanation for sharing to confirm payment.

The cost of Liberty Healthshare

Liberty HealthShare offers 3 different programs of care and varies in price depending on your age range and what type of coverage you want.

Each program has annual membership dues that cost $135 per year and $75 per year thereafter.

I am 25 years old, so my coverage is currently $249 per month for Liberty’s top-tier program.

Liberty Complete (as shown in blue below) is the top tier program Liberty Healthshare offers.

This program starts $249 per month and covers eligible medical bills up to $1,000,000 per incident with a deductible of $1,000 for individuals. This is the most comprehensive and popular program out of the 3.

This program also includes Savnet which reduces medical costs prior to sharing in the community, along with additional savings for Pharmacy, Dental, Vision, Hearing, and Chiropractic services.

The Liberty Plus program (as shown below in brown) starts at $224 for individuals under 30 and shares eligible medical bills up to $125,000 per incident and a $1,000 deductible for individuals.

This program also includes Savnet which reduces medical costs prior to sharing in the community, along with additional savings for Pharmacy, Dental, Vision, Hearing, and Chiropractic services.

The Liberty Share program is the lowest tier and starts at $199 for individuals under 30 and covers 70% of eligible medical bills up to $125,000 per incident.

Savnet is NOT offered with this program level and the deductible is also set at $1,000 for individuals.

My experience

Update 6/5/19: I’ve recently had a bad experience with Liberty Healthshare. The process claim took so long, that my doctor refused to accept Liberty. Going forward, my doctor’s office said I have to pay out of pocket if I want to see the same doctor. Currently, I’ve had to submit the claim myself and have been waiting 1 month for customer service to even get back to me. 

My experience with Liberty HealthShare has been the polar opposite of what I am used to when it comes to traditional health insurance.

As you can see below, I’ve had to use Liberty HealthShare a few times. All bills are sent straight to Liberty HealthShare and then I get the repriced, annual unshared amount.

Applying to Liberty HealthShare was easy and only took about 15 minutes.

I was accepted a few days later and had a 2 month waiting period before I was covered with Liberty HealthShare. This was perfect timing as I ended up having multiple visits to urgent care and a gastroenterologist.

The downfall I have experienced with Liberty HealthShare is most doctors offices have never heard of Liberty HealthShare or even know what a healthshare ministry is. Before I head to a doctors office, I make sure they’ll take my Liberty ID card.

In rare occurrences that an office does not bill Liberty, all I have to do is receive the bill and send it to Liberty.

For Surgical Associates of Western Colorado (as shown below) the front desk simply called Liberty HealthShare to clarify everything and they accepted my ID without a problem.

 

FAQ Section

You can read Liberty HealthShare’s FAQ section here.

Do you qualify for Liberty HealthShare?

You cannot use tobacco in any form, cannot abuse alcohol, illegal drugs, or prescription drugs.

You must agree to live a healthy lifestyle and agree to Liberty’s shared beliefs which are listed here.

Update 11/5/19: I’ve had several bad experiences with Liberty Healthshare. The process claim took so long, that my doctor now refuses to accept Liberty. Currently, I’ve had to submit the claim myself and have been waiting 1 month for customer service to even get back to me. I also had to pay for a bill myself because Liberty took so long to pay it, otherwise, it would have been sent to collections, hurting my credit score. As I am writing this it is November and the bill I paid for was from March. I still have not been reimbursed. Unfortunately, I do not recommend Liberty Healthshare. 

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This Post Has 6 Comments

  1. Kira R

    Just wanted to add my personal experience to your summary of Liberty Healthshare. I am currently on hold for the 10th time with Liberty (hold times average 45 minutes ON HOLD!!!!!) for an issue that they caused and which has resulted in collection notices being sent to me, causing GREAT stress. I HATE LIBERTY HEALTHSHARE AND WOULD NOT RECOMMEND THEM TO ANYONE!

    They claim to be a healthshare and they DEFINITELY take my money every month, but ignore the situations require serious attention.

    1. Alexis

      Hi Kira. Alexis here. I’ve had a similar experience (as you can see from my update 2 weeks ago at the very beginning of this post). I honestly think they grew way too fast and do not know how to handle things in a timely fashion now. It’s unfortunate.

  2. Marshall McKinnon

    I really appreciate did your onest update. My wife has tried calling every day for 3 weeks and has been on hold for more than an hour each day. We have over $4500 in medical bills that liberty is supposed to reimburse us for but simply won’t give any answers or help. All of our expenses are shareable but they simply wont pay. Please do your homework before giving them your hard earned money.

    LIBERTY HEALTH SHARE IS A SCAM.

    1. Alexis

      Yeah, that seems to be the case for everyone. I’ve been sent 2 emails since 2020 started about how Liberty Healthshare is “hiring new people” to “get back to how their customer service once was”. So they are admitting to offering poor service the past few years. They grew too fast. I am hoping I don’t have to stay with them for long and can switch insurance once I get married.

  3. Barbara

    Could you elaborate on why you switched to zion and how your experience has been? We also are looking for alternative to the unreliability of liberty and the astronomical costs of aca insurance. We have been with liberty for years but have had a horrible experience with them not reimbursing when we finally had a couple expenses arise and us just paying the bills ourselves for ethical reasons (even knowing we won’t be reimbursed.) We mainly need catastrophic coverage. Zion seems to have better reviews but is a very new company and I am concerned about how they will respond to growth in membership. Also I find the submission process to liberty cumbersome and hoping zion would be better. How has your experience been submitting bills to zion?

    1. Alexis

      I’ve yet to actually use Zion, but the submitting bills process is much easier than Liberty. Their website says they pay claims in 5-7 days. I am going to do a personal review once I get a physical here soon.

      This is what Zion’s website says:

      “At the time a Member receives medical service, the member should inform its medical providers (doctors, laboratories, clinics, hospitals, etc.) that he or she is a “self-pay” patient. Health care providers can send bills directly to Zion Health. Any proof of payments made towards their IUA (Initial Unshareable Amount) should be submitted to Zion Health. Zion Health will review the submitted documentation for sharing with the community. Zion Health’s team of medical bill negotiators may contact the providers to discuss the appropriate payment for the services that were performed and determine if negotiations are applicable for the billed amounts.”

      I can’t say anything about their growth plans and how they will handle that. Liberty did a terrible job, I would not recommend them to anyone. You can learn more about Zion here: https://zionhealth.org/faqs/

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