Libertyhealthshare Reviews

Christian Healthshare Ministries Provider | Liberty Health Share

libertyhealthshare.org
2.79
42 reviews
Average Rating
Based on 42 user experiences

Rated 2.79 out of 5 by 42 Happy Customers

38.1%
4.8%
4.8%
2.4%
47.6%
All 5 ★ 4 ★ 3 ★ 2 ★ 1 ★ 😊 Positive 😐 Neutral 😞 Negative Reset Filter
D

Affordability

Affordability Friendly customer service It has provided me with a affordable way to help with my medical expenses over the years
M

Once we got through to a rep who could

Once we got through to a rep who could hear us phone issues Shaun was a rock star In just a few minutes he fixed the tech issue we had with contact and billing info and stayed on the line to walk me through a few details to make sure the issue was corrected once and for all
S

Submitting medical expenses and keeping

Submitting medical expenses and keeping track of them can be confusing However when I reached out to Liberty Health Share they were able to answer ALL of my many questions for old and new medical expenses and make necessary corrections It was an easy-peasy experience
F

My experience with re-enrolling was

My experience with re-enrolling was phenomenal Incredibly patient people willing to walk me through and re-explain as many times as needed Every time I ve called there has always been a human being to answer the phone and there for the entire process
J

They paid in full on my Quad Bypass in

They paid in full on my Quad Bypass in 2017 and since then have kicked in on smaller medical issues they also negotiate lower the medical bills i do have to pay sometimes much lower Sometimes things take awhile but have you dealt with obama care or private insurance they are no party either
J

I love the idea of health minded people

I love the idea of health minded people who can manage the cost of their medical services banding together to share unusual expenses
M

Brenda Dodson Is The Best

Brenda Dodson Is The Best She is patient kind and still in the process of helping us understand all the ins and outs of our healthshare We need some serious hand holding and have had a rough year But she s been our Angel sent to walk us through the process In fact because of her we will continue with our healthshare
J

Affordable premiums focus on reducing

Affordable premiums focus on reducing heath costs It has provided me with a affordable way to help with my medical expenses over the years
C

That it functions just as a health

That it functions just as a health share should function There is SHARING of expenses transparency and a good base structure by not allowing certain pre-existing conditions for individuals to enroll The member supported structure seems to work well for most situations within a generally healthy member group
A

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

About Libertyhealthshare

Liberty HealthShare offers health-conscious individuals and families an affordable way to share medical care expenses in a like-minded community. We are a non-profit organization that helps facilitate the voluntary sharing between members to pay each other’s medical costs.

United States

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Frequently Asked Questions

Liberty HealthShare is a healthcare sharing ministry, not an insurance company. It is a community of individuals who share eligible medical expenses based on shared ethical and religious beliefs. Unlike traditional insurance, members contribute a monthly 'share' that is used to pay for other members' medical bills. This model emphasizes direct mutual aid and personal responsibility, operating outside the regulations and structures of conventional insurance policies.

Members submit their eligible medical bills to Liberty HealthShare for review. After verification against the program's guidelines, the bill is presented to the community for sharing. The funds from members' monthly shares are then used to pay these eligible expenses. The process is designed to be transparent, and members often receive communications explaining how their contributions assist others.

Liberty HealthShare offers several programs tailored to different needs, such as Liberty Complete, Liberty Plus, and Liberty Basic. Each program has specific guidelines determining the monthly share amount, the annual unshared amount (functioning similarly to a deductible), and the scope of eligible medical expenses. These options allow individuals and families to select a plan that aligns with their healthcare needs and budget.

Yes, members are generally free to choose any licensed healthcare provider. However, Liberty HealthShare provides access to a network of preferred providers who have agreed to offer discounted rates. Using these providers can help reduce out-of-pocket costs and streamline the billing process, but it is not a requirement for receiving assistance with eligible expenses.

Prospective members are typically required to agree to a statement of shared beliefs that reflects the community's ethical and religious foundations. A commitment to a healthy lifestyle is also a common principle. Membership is contingent on agreeing to these values and adhering to the program's guidelines for sharing medical expenses.

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About Libertyhealthshare

Liberty HealthShare: A Community-Based Approach to Healthcare Costs

Liberty HealthShare operates as a healthcare sharing ministry, offering an alternative to traditional health insurance. It is a community of like-minded individuals who agree to share each other's eligible medical expenses based on shared ethical and religious beliefs. The organization provides a framework for members to directly support one another's healthcare needs, fostering a sense of mutual aid and personal responsibility.

How Healthcare Sharing Works

Unlike conventional insurance, Liberty HealthShare is not an insurance company. Members contribute a set monthly amount, known as a "share," which is then used to pay for the eligible medical expenses of other members. The process is designed to be transparent, with members often receiving explanations of how their shares are assisting others in the community. This model emphasizes direct sharing between members, bypassing many of the complexities associated with standard insurance policies.

Core Programs and Membership

The website outlines several distinct sharing programs tailored to different needs and family sizes, such as the Liberty Complete, Liberty Plus, and Liberty Basic plans. Each program has its own guidelines for monthly share amounts, annual unshared amounts (similar to a deductible), and eligible medical expenses. Prospective members typically agree to a statement of beliefs and commit to a healthy lifestyle, which are foundational principles of the community.

Key Features and Member Resources

Liberty HealthShare provides a suite of resources to support its members:

  • Medical Bill Sharing:Members submit eligible medical bills for review and potential sharing by the community.
  • Provider Access:Members have access to a network of preferred providers who offer discounted rates, though they are generally free to choose any healthcare provider.
  • Telehealth Services:Many programs include access to 24/7 telehealth consultations for minor ailments.
  • Health & Wellness Incentives:The ministry often encourages preventive care and healthy living through various programs and resources.
  • Member Advocacy:Support is available to help members navigate the medical billing and sharing process.

Important Considerations for Participants

It is crucial for individuals considering Liberty HealthShare to understand the distinctions from traditional insurance. As a sharing ministry, it is exempt from the Affordable Care Act (ACA) mandates. This means:

  • Members do not receive an ACA Form 1095-A and may be subject to a tax penalty in some states, though a federal exemption exists.
  • Sharing is subject to program guidelines; not all medical expenses are eligible for sharing (e.g., pre-existing conditions may have limitations).
  • The community's continued ability to share expenses depends on the collective financial participation and integrity of its members.

Mission and Community Values

At its heart, Liberty HealthShare is built on principles of faith, stewardship, and personal liberty. The organization emphasizes responsible healthcare consumption, compassionate sharing, and the freedom to make one's own healthcare choices. It appeals to individuals and families seeking a values-aligned, cost-conscious method for managing healthcare expenses outside the conventional insurance system.

In summary, Liberty HealthShare presents a unique, community-oriented model for managing healthcare costs. It requires careful review of its guidelines and a clear understanding of its differences from regulated insurance, but for those who align with its principles, it offers a path to shared medical financial responsibility.