Liberty HealthShare

Founded in 2013, Liberty HealthShare serves over 220,000 members from its Ohio base. Liberty HealthShare is the program name for the Gospel Light Mennonite Church Medical Aid Plan, Inc. (founded in 1995) and they have shared more than $1.2 billion in the last 4 years.

Liberty HealthShare statement of belief

Liberty HealthShare is rooted in Christian faith. However, their requirements are a bit more lenient than some other Christian HealthShares. Members must agree to the following beliefs:

  • personal rights and liberties are bestowed by God, not granted by government or men
  • that they have a biblical and ethical obligation to assist others
  • that it is a duty to have a healthy lifestyle and avoid anything that can cause bad health
  • that it is a right to direct their own healthcare free from government dictates, restraints, and oversight
  • every individual has the right to worship the God of the Bible in his or her own way

While this list includes items connected to Christianity, they are not laid out in a way that would prevent a non-Christian from joining. Additionally, Liberty asks that members attend worship services regularly but does not specify what regularly means or have attendance at a specific church verified by a third-party. So, as far as Christian HealthShare ministries go, Liberty has very open membership requirements. This might be of importance to potential members looking for more freedom to manifest their convictions outside of regular church attendance.

With all this in mind, prospective members should keep in mind that sharing decisions will be guided by Christian principles.

Sharing with Liberty HealthShare

Because Liberty HealthShare does not have a recommended provider network, members can find care nationwide. Liberty members use Healthcare Bluebook to find reasonably-priced medical care. Like most HealthShares, Liberty restricts pre-existing conditions. No costs for these conditions are shareable until the member reaches their second year of membership. However, in the fourth year of membership, there are no limits on pre-existing conditions.

Liberty uses a payment method called “ShareBox,” which facilitates transfers directly from member to member instead of first being deposited into a company bank account. Each month, members are assigned a specific need that they must contribute toward by the end of the month. Members can see exactly where their membership dues go. Additionally, members can send messages of encouragement, prayer, and healing directly to others in the community. Interestingly, Liberty HealthShare values member privacy, and thus permits members to choose how their names appear on their accounts. Member diagnoses are hidden so only the medical expense can be seen.

Liberty has been innovating new ways to share lately. In September 2022, they launched two new programs, Liberty Rise and Liberty Assist. These two programs aim to help specific groups, young adults and seniors. Since these programs are new, not much information is available, but they show promise for helping two groups that often have inconsistent access to help with healthcare expenses.

Noteworthy

Here is some of the top information we believe potential members might want to know about this HealthShare.

Key considerations

  • Long turnaround times
  • Tobacco users not accepted
  • Program for members over age 65
  • Generous guidelines for preventive screening

Membership requirements

  • Live by biblical principles
  • Agree to Liberty’s Statement of Shared Beliefs
  • Maintain a healthy lifestyle

Pros

  • Annual preventive visit not subject to AUA
  • May share in medical tourism
  • DialCare Mental Wellness program
  • End of life assistance $3,000-$10,000
  • Screening Pap smear eligible each year not subject to AUA
  • Pre-existing conditions shareable in the second year of membership
  • Screening Mammogram eligible once a year after age 50; every other year up to age 49 not subject to AUA
  • Mammogram, Pap smear, Cologuard screenings not subject to AUA
  • Low Annual Unshared Amounts (AUA) for most plans
  • Membership includes access to the Healthcare BlueBook

Cons

  • Three-year look back for pre-existing conditions
  • Enrollment requires medical questionnaire
  • Colonoscopy screenings subject to the AUA
  • Slow turnaround times: some members claim over 180 days
  • Annual unshared amounts and co-shares add up
  • Liberty may determine what is “medically necessary”
  • Prenotification required seven days in advance for major services, including maternity
  • Two-month wait for any sharing; bills in the first two months of membership do not count toward AUA

Ideal candidates

  • Value privacy
  • Do not use tobacco
  • Want to help others directly
  • Can afford to pay their own bills in full and wait for reimbursement

Check out the latest offerings from Liberty HealthShare in these videos

Website libertyhealthshare.org
Religious Requirements Christian
Need Processing Time 100+ days
Caps $600,000 to $1,000,000
Personal Responsibility $1,000 - $12,000 AUA; 0-25% CoShare
Pre-existing Limitations Yes; 1st year wait; Fully shared after 3rd year
Pre-existing exception(s) NA
Wellness Visit Yes, $400 shareable
Preventive Immunizations Yes; subject to AUA
Screening for Mammogram Yes; 1 per year after age 50
Screening for Colonoscopy Yes; subject to AUA
Mental Health DialCare Mental Wellness
Provider Network None
Need Processing Method Reimbursement
Telemedicine General $0, Specialty $100
Startup Fee 135.00
Renewal Fee 75.00
Prescriptions Discount program: Generic Rx $5
Maternity Yes, after 6 months membership
Membership Size 220,000
Community Start Date 1995

Reviews

HealthShare Guide 5 reviews
1.4 / 5
HealthSharing Reviews 429 reviews
1.4 / 5
Google 1119 reviews
3.7 / 5
Yelp 534 reviews
1.5 / 5
Better Business Bureau 219 reviews
1.3 / 5
0 1.0 2.0 3.0 4.0 5.0

Liberty HealthShare Options

Rise Assist Essential Connect Unite
Annual Out of Pocket Max No max $1,500 $4000 - $12000 + 25% CoShare $1,000-$3,000 + 15% CoShare $1,000 - $2,250
Shareable Cost Per Need Varies; Limits set by expense type Remaining balance after Medicare A&B 75% after AUA 85% after AUA 100% after AUA
Max Sharing Per Need $50,000 limit per year Unspecified $600,000 $1,000,000 $1,000,000
Extended Sharing NA NA N/A N/A N/A
Doctor's Office Visits Yes, $25 unshareable; $750 shared/year Subject to Medicare & AUA Yes, annual visit Yes, annual visit Yes, annual visit
Hospitalization Yes, $1,250 shareable per day Subject to Medicare & AUA Subject to AUA Subject to AUA Subject to AUA
Emergency Care Yes, $500 unshareable; $1000 shared/year Subject to Medicare & AUA Subject to AUA Subject to AUA Subject to AUA
Prescriptions NA Discount program available Savings Program Savings Program Yes, Savings Program
Maternity NA NA Yes, after 6 months membership Yes, after 6 months membership* Yes, after 6 months membership*
Note Program only open to new members Contact Liberty for specific details about how this program would work for you *For maternity to be shared, conception must be 6 months after start date *For maternity to be shared, conception must be 6 months after start date *For maternity to be shared, conception must be 6 months after start date
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Pre-approval: Some sharing requests have restrictions, and may require pre-approval.

Pre-existing conditions: Eligible for sharing at up to $50,000 for in the 2nd and 3rd year of membership combined; No restrictions afterward, subject to Guidelines.

Maternity: Conception has to be 6 months after joining.

DPC Membership: DPC membership fees can be partially reimbursed.

Have an opinion? We want to hear it!

Are you or have you been a member of Liberty HealthShare? Please leave a review below so others can get a better sense of what it’s like to be a part of a healthsharing ministry! If you have any questions about Liberty HealthShare, contact us!
Review Form

Reviews

  • ByCreated Dean Volwiler (2022-12-25 11:17:10)

    I would give negative stars if I could. I had cancer in 2020 and I still have over $43,000 in unpaid claims from Liberty. Stay away from these people at all costs.

  • ByCreated Valarie Theurer (2022-12-13 10:17:40)

    I'm giving three stars for the awesome customer service representatives, they deserve FIVE STARS!!! The program itself deserves zero stars--at this writing in December 2022 I still have claim payments that were approved for sharing after I met my AUA that have never been paid. I was even sent to collections because the agreed payments were never paid. Every month my membership payments are made--never late and never missed. Too bad I couldn't receive the same treatment back. I'm outta here! Good luck to whoever chooses to sign up with Liberty Healthshare

  • ByCreated NMarie (2022-09-13 09:06:09)

    I had surgery April 2021, as of September 2022, they have still NOT paid for it. I had prior authorization for the procedure.

  • ByCreated suz (2022-09-07 17:13:10)

    I paid my premium monthly, never late. They actually went up on the cost but failed to pay my doctor bills and now I've been turned into collections. I had impeccable credit, until now. This bill was from well over a year ago and still they do not have the funds to pay it.

  • ByCreated Joy Gatlin (2022-04-11 17:52:12)

    you know there is a problem when there is a class action lawsuit, a settlement with the AG of Ohio, 1000 complaints with the AG of OHio and even more with t he BBB.

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