"At first, our doctors, un-familiar with Liberty HealthShare, did not trust this program to pay, so we had to pay up-front for a couple of procedures. Liberty reimbursed us, and then the doctors were on board. "
"We are happy with Liberty Health Share. This is a health cost sharing program that works well for our family.
Though the program is not traditional health insurance, it is compliant with federal regulations. There are annual limits that must be meet in order for our invoices to be shared. The monthly premium is a huge cost savings for us and still meets our medical needs.
The website is helpful and access to phone assistance great. It's comforting to have the ability to talk directly with someone when the need arises. Participants may see any doctor they choose.
The most difficult part of this program is that most providers do not know about Liberty Health Share and are very confused and not open-minded. They are stuck in a traditional insurance mode of thinking. That said, LHS participants are considered self-pay. This is not to say that services are not covered.
Due to the astronomical costs of traditional health insurance premiums, we decided to try a health cost sharing program for a year. We feel this has been a positive change for us and has saved us thousands of dollars while meeting our needs, so we are now in our second year with LHS!
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"I am for the most part very pleased with Liberty Health Share, especially the customer service; they are very genuine and helpful.
The only complaint that I have is that it doesn't cover any thing related to mental health, so no counseling of any kind. We are thinking about moving our coverage so that we can get that coverage, it's that important to us."
RSR Acquisition, LLC