Experiences with Liberty HealthShare ministry
Just found this thread and thought I might add another data point. We're in our twentieth year of semi-retirement, keeping about two hours a day of part-time work, so no benefits. We're just starting our third year with Liberty HealthShare. We've had pretty good results. We've gone over our $1000 Annual Unshared Amount (annual deductible if it were insurance) every year and haven't had any problems getting everything beyond that paid for. Some providers will bill Liberty directly just as if it were insurance. Others won't take their rates, so we negotiate the self-pay discount and send the receipts to Liberty for reimbursement. Whenever there has been a question about coverage or payments, we've just called into LHS and straightened it out quickly. Our monthly payment is $299 for the two of us, including the extended $2M lifetime max, which is covered by some kind of third party insurer. The details are on their website.
When we compared the different ministries a few years ago, Liberty was the most religiously "liberal", not requiring a narrow, doctrinaire statement of beliefs, but more of an agreement in common values. It's obviously not for everyone, but if your lifestyle is already consistent with their guidelines and you don't have ongoing preexisting conditions, it could work for you. I have only heard of positive experiences from the few people I know that are members. FYI, we just got an email mentioning that Liberty HealthShare has just reached a milestone of 100,000 members, so that's another data point to consider.
Just found this thread and thought I might add another data point. We're in our twentieth year of semi-retirement, keeping about two hours a day of part-time work, so no benefits. We're just starting our third year with Liberty HealthShare. We've had pretty good results. We've gone over our $1000 Annual Unshared Amount (annual deductible if it were insurance) every year and haven't had any problems getting everything beyond that paid for. Some providers will bill Liberty directly just as if it were insurance. Others won't take their rates, so we negotiate the self-pay discount and send the receipts to Liberty for reimbursement. Whenever there has been a question about coverage or payments, we've just called into LHS and straightened it out quickly. Our monthly payment is $299 for the two of us, including the extended $2M lifetime max, which is covered by some kind of third party insurer. The details are on their website.
When we compared the different ministries a few years ago, Liberty was the most religiously "liberal", not requiring a narrow, doctrinaire statement of beliefs, but more of an agreement in common values. It's obviously not for everyone, but if your lifestyle is already consistent with their guidelines and you don't have ongoing preexisting conditions, it could work for you. I have only heard of positive experiences from the few people I know that are members. FYI, we just got an email mentioning that Liberty HealthShare has just reached a milestone of 100,000 members, so that's another data point to consider.
