Complaint Review: Liberty Healthshare - Nationwide
- Liberty Healthshare Nationwide USA
- Phone: 330-536-7464
- Web: http://libertyhealthshare.org/
- Category: Health Insurance
Liberty Healthshare offered healthcare coverage at great price then I used it after 9 months called and said I didn't qualify Canton Nationwide internet, state ohio
*General Comment: Not so fast!
*UPDATE Employee: Preexisting Condition appeals
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I called Liberty Healthshare in march. I figured I needed Health coverage for the next 6 years as I don't have any now and I will be 65 in 6 years. I don't drink or smoke and I am not over weight. Being healthy for the past ten years I just wanted coverage for the next few years before ssi takes over.
Having been a Christian most of my life knowing I didn't want Obama care and heard the ads on the great plans medishare offered I checked the intrnet and found Liberty Healthshare so and called. I did a short check to see if there were any complaints and couldn't find any so I gave them a shot. A very nice girl answered the phone and together we started the proceses.
She asked several questions on the first phone call my wife and I took mental notes on all that was said. She asked if my wife and I both needed coverage I said yes. Several questions came up first about my wife. Does she have any medical issues at this time or in the past 24 months? Respones Yes she was diagnosed with Rheumatoid Arthritis in 2013. To make this short that disqualified her form coverage as the diagnoses was within 24 months of being insured. She will be covered under insurance for anything else that is not related.
She comes to me and asked. Basically the same line of questions starting with in the past 24 months did you have any medical issues? My response was no but I did have a heart attack in 2006. Next question was are you taking any medication at this time? My response yes I am taking Metoprol, one asprin and natural vitamins and herbs. I also told her I was not taking any other medication Plavix or Lipator due to the many physical issues they were was causing. I ask her since I had the heart attack in 2006 was ther any problem with a pre existing condition being so long ago (10 years ago with no recurring issues)
At that point she said she will speek with her supervisor to see if that would be an issue. About three minutes she came back on the phone and said no AS THE LENGTH OF TIME WAS WELL PAST THE 24 MONTH PERIOD. Here is where the Christian ethics begin to fall apart...
My wife and I agreed that at $300.00 monthly it was a good alternative to Obahma care. I want to say the person I was speaking with was Shardia. Shardia said it would take about 3 days to be approved and (not sure if now or in three days after approval) took our first monthly payment from our Visa.
She called back and yes we were approved. In fun I asked her if I have another heart attack your sure I am covered. She assured me I was at $1000.00 deductable and up to $1 million max coverage.
Make this short to my frick'ing suprise I had just that another heart attack at the cost of over $70,000 thousand. About 5 days later I received a phone call from a Philis that The latest incident was not covered due to pre existing condition. Of course i called and got the run around that it in the guidlines that in line 14 that includes any medication you were prescribed is a pre condition. As you can see I explained everything in the previous paragraph that happened in 2006 and the meds I was taking as of the signup. I WAS APPROVED AT THE TIME WITH THE MEDS I WAS TAKING. I will continue to fight these crooks. Liberty healthshare and Christian should not be on the same page.
888-6904-4337 Tiffiny was the person to call and tell me by phone after 5 days I had no coverage
Be careful as to these companies as the insurance laws are not the same for these groups. They are deep pockets and use the false name of Christ, Christianaty and our God as a money making machine. I am sure many people have been helped through some of these groups. I swear to our father I am telling the truth.
I know if you call they will say no coment and denai the truth but don't give them your money the coverage is what they decide at the time and cover what they want
This report was posted on Ripoff Report on 02/04/2017 12:35 AM and is a permanent record located here: https://www.ripoffreport.com/reports/liberty-healthshare/nationwide/liberty-healthshare-offered-healthcare-coverage-at-great-price-then-i-used-it-after-9-mon-1353957. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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#2 General Comment
Not so fast!
AUTHOR: Bill - (United States)
SUBMITTED: Thursday, May 17, 2018
Not so fast! Sometimes people hear what they want to hear or make an incorrect assumption or connection. I am very familiar with Liberty HealthShare as well as the other three ministries that have the same mission. First of all none of them are insurance. That means they should not be called insurance as in this complaint. None of them have deductables or copays or premiums or any of the other terms used in this complaint. Using these terms indicates a lack of understanding of the programs and how they work.
Next, taking medication daily for a condition is clearly "treatment or taking medication" for a condition in the last two years. That is on the website as well as in the application process.
Finely, These ministries are cost sharing ministries and are only paid a monthly administrative fee by each household to facilitate medical cost sharing on the part of the members. In other words they get the same amount of money from each household if the medical bills are shared or not. They don't get one cent more or less they are simply executing the guidelines (rules) of the particular ministry the member is a part of. Think of it like living in a condiminium where each condo owner pays a monthly association fee. The homeowners all send their money to a property management company each month. The money doesn't belong to the property manager but to the homeowners. If a homeowner sends in bills for repairing his car then the property management company will not pay it. If the homeowner sends in bills for a new plant they bought then the property management company will not pay it. The management company only pays bill that are spelled out in the associations membership documents. This is true of the medical cost sharing ministries. I am sorry to hear that there is a problem for this person and the large medical bills they are facing due to their not understanding. These ministries all have appeals processes and I understand that Liberty healthShare has a great one. They should exhaust that process before giving up. Most of the ministries have the ability for a dispute to be taken to a board of members for a final dicision. Let me say it again that this is NOT insurance and is not regulated by the insurance commissioners in any state, it is regulated by the members. I hope that this helps shed some light on Medical Cost Sharing. Medical Cost Sharing worked for me and my family for many years sharing over $250,000 in our medical bills.

#1 UPDATE Employee
Preexisting Condition appeals
AUTHOR: Michelle - (USA)
SUBMITTED: Monday, February 06, 2017
We try to keep things fair and transparent as a sharing community, and take precautions to keep our sharing costs low, for our members, and ourselves. I truly hate that you've had that experience with us, and I apolgize for any confusion that was caused. Any prescribed medications upon enrollment would deem the original condition as preexisting, as stated in our sharing guidelines.
You are free to submit a second appeal for review, if you are not satisfied with the outcome.
Thank you,
Liberty Healthshare


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