Liberty HealthShare

About Liberty HealthShare

Founded in 2013 (doing business since 2014), Liberty HealthShare serves over 220,000 members from its Ohio base. Liberty Healthcare, a “healthcare sharing ministry of Gospel Light Mennonite Church Medical Aid Plan, Inc.”, shared more than $1.2 billion in the last 4 years. Interestingly, Liberty HealthShare values member privacy. Members choose how their names appear on their accounts, member diagnoses are hidden so only the medical expense can be seen, and membership dues transfer directly from member to member instead of first being deposited into a company bank account.

Because Liberty HealthShare does not have a recommended provider network, service appears available nationwide (except Pennsylvania). Liberty members use Healthcare Bluebook to find reasonably-priced medical care. Other benefits include a telehealth service and a payment method called “Sharebox.” Sharebox lets members see exactly where their membership dues go, and allows them to send messages of encouragement, prayer, and healing to others in the community.

Like most healthshares, Liberty restricts pre-existing conditions. No costs for these conditions are shareable until the member reaches their second year of membership. (As of March 2022, it appears that Liberty discontinued their Health Trac program which allowed some exceptions to this restriction).

Membership Requirements:

Members must believe:

  • that personal rights and liberties are bestowed by God, not granted by government or men
  • every individual has the right to worship the God of the Bible in his or her own way
  • 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

Also, members must not use tobacco. Members who use tobacco products must stop within 6 months of joining and then pass a nicotine test.

Key Considerations:
  • 90-day waiting period for most expenses, minimum
  • National availability
  • No provider network
  • Discounts for prescriptions and some services
  • Accepts members older than 65 for an extra cost
  • Annual Unshared Amounts (AUA) work like a traditional deductible
  • Liberty Unite shares up to $1 million per incident after AUA
  • Liberty Connect shares up to $1 million per incident after AUA; members pay a 15% co-share
  • Liberty Essential shares up to $600,000 per incident after AUA; members pay a 25% co-share

 

Pros:
  • Liberty’s use of HealthShareRx and SavNet Savings Program gives discounts on prescriptions and providers
  • Membership includes access to the Healthcare Blue Book to check pricing
  • Three program options ($159-$359 per month for an individual plan, depending on age)
  • Sharing options for pre-existing conditions in the second year of membership
  • Ability to see exactly who membership costs helped
  • Can send and receive supportive messages
  • Telehealth service
  • Some preventive services may be shareable
  • Low Annual Unshared Amounts (AUA) for most plans ($1000/single, $1750/couple, $2250/family). AUAs work like a traditional deductible – sharing begins after the amount is met.
  • Accepts members over 65 for $25 dollars more per month
  • Pregnant members receive a Maternity Facilitator to help them
Cons:
  • Enrollment requires completing a health questionnaire
  • A woman must belong to Liberty before her child’s conception for maternity costs to be shareable. Also, a review team must approve pregnancies; otherwise, costs are not shareable.
  • No mental health assistance
  • Dental, vision, hearing, and chiropractic care are not shareable
  • Extremely slow payments. Members say it often takes longer than 180 days for claims to be paid or reimbursed; many negative reviews mention bills going to collections
  • Confusing Annual Unshared Amounts (AUA). Members report that for some expenses, only part of the bill was applied to their AUA, making it take much longer for them to reach the amount that allowing their expenses to be shared
  • The cheapest plan has a much higher AUA
  • Reviews suggest that the company is not helpful
  • Reviews suggest that Liberty HealthShare bases their payments for bills on what members would pay if they were on Medicare, which frustrates providers
Ideal Candidates:
  • Have great health and do not use tobacco
  • Can afford to pay their own bills in full and wait for reimbursement
  • Value having no restrictions on providers
  • Want to help others
  • Value privacy
  • Want to see where their membership dues are going
Website libertyhealthshare.org
Religious Requirements Any
Need Processing Time 100+ days
Caps $125,000 to $1,000,000 AUA
Personal Responsibility $1,000, $1,750 or $2,250 AUA
Pre-existing Limitations In first 12-36 months
Pre-existing exception(s) Diabetes, Hypertension, Heart disease, Cholesterol, Obesity, and Tobacco Use
Wellness Visit Yes, max $400 shareable
Preventive Immunizations Yes
Screening for Mammogram Yes, 6 month waiting period
Screening for Colonoscopy Yes
Mental Health No
Provider Network None
Need Processing Method Reimbursement
Telemedicine General $0, Specialty $100
Startup Fee 125135.00
Renewal Fee 75.00
Prescriptions Generic Rx at $5 limited, discounts on others
Maternity Excluded on some memberships
Membership Size 90,000
Community Start Date 1995

Reviews

HealthShare Guide 3 reviews
1 / 5
HealthSharing Reviews 428 reviews
1.4 / 5
Google 1072 reviews
3.7 / 5
Yelp 519 reviews
1.5 / 5
Better Business Bureau 226 reviews
1.3 / 5
0 1.0 2.0 3.0 4.0 5.0

Liberty HealthShare Options

Essential Connect Unite
Annual Out of Pocket Max AUA: $4000 Indiv., $8000 Couple, $12000 Family AUA: $1000 Indiv., $2000 Couple, $3000 Family AUA: $1000 Indiv., $1750 Couple, $2250 Family
Shareable Cost Per Need 75% after AUA 100% after AUA 100% after AUA
Max Sharing Per Need $600,000 after AUA $1,000,000.000, after AUA $1,000,000.000, after AUA
Extended Sharing N/A N/A N/A
Doctor's Office Visits One annual preventive visit and related lab work (no symptoms) One annual preventive visit and related lab work (no symptoms) One annual preventive visit and related lab work (no symptoms)
Hospitalization Subject to AUA Subject to AUA* Subject to AUA
Emergency Care Subject to AUA Subject to AUA* Subject to AUA
Prescriptions HealthShare RX Savings Program HealthShare RX Savings Program HealthShare RX Savings Program
Maternity Shareable, after 6 months membership and AUA* Shareable, after 6 months membership and AUA* Shareable, after 6 months membership and AUA*
Note *Conception date must be after 6 mos of membership
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Comments

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 afterwards, subject to Guidelines

Maternity: Conception has to be after joining

DPC Membership fees can be reimbursed at up to 75%, to max of $40/month for individual, $60/month for couple, and $75/month for families, subject to change by Liberty.

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 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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