Liberty HealthShare

With over a 1000 complaints with the BBB of Canton Ohio, 600 complaints with the Ohio AG, a Class Action lawsuit, a Settlement with the Ohio AG and thousands of people owed money some in excess of 100K why would anyone consider this company... run do not walk away as fast as you can there are plenty of good healthshares

In checking into this membership, I do see that someone from our Research and Resolution Team has reached out to this member with an explanation of how each bill was sharedAlthough I cannot go into details due to HIPPA regulations, this member does have an Annual Unshared Amount of $1, Several bills were applied to this amount Two medical bills were not shared since this is something we have written in our guidelines that we will not share inI am including our guidelines regarding wellness visits All qualifying wellness visits were sharedScreening and Wellness VisitsCharges for one wellness exam or physical including physician fee per membership year, for which there are no medical symptoms or diagnosis in advance, including routine laboratory tests, radiology, and other ancillary services or procedures that occur during or as a result of the wellness visit are eligible for sharing, after the first days of membership, up to a maximum of $of the fair and reasonable charges as determined by Liberty HealthShareSM and not subject to the Annual Unshared Amount (AUA)Pap smears are eligible for sharing once every year not subject to the AUAScreening colonoscopies, PSA tests, and mammograms are eligible for sharing once every two years up to and including age forty-nine (49), and not subject to the AUAScreening colonoscopies, PSA tests and mammograms for members fifty (50) years of age and older are eligible for sharing every year and not subject to the AUAWell baby visits including immunizations are eligible for sharing within the first year after birth and not subject to the AUAAs far as refunding, a member can cancel in the first days, and Liberty will refund, since that amount comes directly to LHS (this member has been a Sharing Member Since March 1, 2017) After that, shares go directly to other members medical bills See below excerpt from Sharing GuidelinesDuring the first two months of membership, the share amount will be sent to Liberty HealthShareSM to be used at the discretion of the ministryAfter that, members will be assigned an individual “Share Box ”, a secure online means of contributing their suggested monthly share amount directly to another member in needLiberty HealthShare is unable to refund share amounts that have already been designated towards another member in need

After reviewing your membership, we have reprocessed your bills and checks will be going out to the providersYou can view the updated expenses online in your ShareBoxWe apologize for any inconvenience this has caused youIf you have any further questions, please contact our Member Services Supervisor

We want to apologize for the inconvenience this misunderstanding has causedThis should have been a happy time welcoming your new baby without the stress of worrying about your billsWe would like to clarify our guidelines under the section not eligible for sharing; 20) Hospital employees Professional services billed by a Physician or nurse who is an employee of a Hospital or Skilled Nursing Facility and paid by the Hospital or facility for the serviceThis is intended for Hospital Employees receiving pay for the services they are performingYou were not paid by the Hospital during the delivery of your baby, which would make your expenses eligible for sharingThe Director of Operations has reached out to you this morning to clarify this and to let you know that we will be reprocessing your billsPlease check your ShareBox for these changesIf you have any additional questions, please do not hesitate to contact us

After reviewing your membership, we see that we did receive your submitted medical expenses in February and March and those have been processed as eligible for sharingThey are awaiting checks to be assigned and will be issued as reimbursementsOn 4/20/18, you spoke with a research and resolution specialist who will follow up on your membership to ensure your reimbursements totaling $will be going out in the mail to you soon If you have any additional questions or concerns, please contact our Member Services Supervisor

Revdex.com:Thank you for paying the bill before it went into collections; however I will not be continuing my membership and wish to end this relationship I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I consider this complaint resolved Regards, [redacted] ***

The appeal you are referring to was reviewed and approvedAll your expenses were reprocessed accordingly as eligible for sharing; the bills you are receiving now would be balance billsBalance billing is when Providers bill you for the remaining amount because they refuse to take anything less than the inflated billed chargesOur records indicate that you sent information regarding balance bills to MCS yesterday and a patient advocate has been into contact with you today regarding these billsWe will be sharing with one of these since that particular Provider is not willing to make any adjustments We will be in contact with the remaining facilities In the meantime, if you have any additional questions, please do not hesitate to reach out to the patient advocate that has been assigned to you Below please find an excerpt from our Sharing Guidelines regarding Excess Charges 5) Excess ChargesIn furtherance of the shared beliefs of all members, it is the mission of Liberty HealthShareSM to assist members to manage, control and direct their individual healthcare and the costs of that careThis includes the duty of each individual member of Liberty HealthShareSM to protect all members from unfair, unreasonable, or hyperinflated charges submitted by providers of healthcare servicesProvider charges must first undergo assessment of reasonableness, and if unreasonable, negotiations with health care providers will be required to be undertaken by Liberty Healthshare before being eligible for sharingMembers are expected to cooperate with Liberty HealthShare’s negotiation effortsLiberty HealthShareSM reserves the right, on behalf of its members, to determine what part of an expense for the care and treatment of an injury or illness is unfair or unreasonable, based on techniques, criteria and standards established or adopted by Liberty HealthShareSMIt is the intention of Liberty HealthShareSM to limit the sharing of charges determined to be unfair or unreasonable and may choose to advocate on behalf of Sharing Members against any healthcare service provider demanding payment of such unfair chargesIn this event, Liberty HealthShareSM will make concerted effort to encourage those physicians, providers, or facilities to agree to more reasonable prices, but if this is unsuccessful, the member will be notified by Liberty HealthShareSM that these practices/facilities are not willing to charge reasonable fees, and should the member continue to utilize these practices/facilities, they will be doing so with the understanding that the excess charges are their (the member’s) responsibility and future excess charges will not be eligible for sharing

Member services is our top priority so I’m sorry if you feel we have communicated misinformation We added you to your husband’s membership, which he had a start date of January, so that is why the membership year changedYour personal membership began in June, which would have started over a new annual unshared amount effective today and this would make you responsible for an additional $We moved over five of your medical expenses to your husband’s membership, which was applied towards the annual unshared amountYou will only be responsible for a total $AUA which includes visits from January to January Your maternity expenses are eligible for sharing and are processed towards your annual unshared amount One will be partially shared since your $AUA has now been metWhen reviewing your membership, we see [redacted] notated she called you back the following day to make you aware that everything was movedIf you have any additional questions, please do not hesitate to reach out to our Member Services Supervisor

Revdex.com: I received the reimbursement checks from Liberty Healthshare today in the mail This complaint is resolved and the issue can be closed Thank you Regards, [redacted] ***

After researching the complaint, it doesn't appear that we completely denied the bills, but there was additional information requestedThis was due to the enrollment effective date of 11/1/2016, and bills that did not come in as wellness, but instead were all coded with a diagnostic reason for being seen, with dates of service 11.12/The request for additional information, if received, could have alleviated the question of whether or not this was a pre-existing condition.The call notes indicate there was reluctance to be coached, but it was acceptedThere are additional notes that indicate there appeared to be many scheduling conflicts between the member and the coachI do not see notes that assigned a new coach, although the call notes do support the fact that the member and the coach both called reporting the issueI am having the medical bills reprocessed, according to the notes provided through this complaint Wellness visits (and supporting labwork) will be processed as such, even though they are not coded accordinglyThis will be the bills with date of service 11/12/All other eligible diagnostic visits will be put towards the Annual Unshared Amount first, and shared once that's been satisfied

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint I [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com:While I do not agree with the statements made by Liberty Healthshare regarding the handling of my account, I simply want to receive a full refund from themWith that being offered, I find the resolution to my complaint ID [redacted] satisfactoryI will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

We can understand the frustration of seeing a bill repriced so lowWe have escalated this issue to the company that handles our repricing and are awaiting their follow upWe are hoping to get an answer regarding this by tomorrow at the very latestAs soon as we receive the information from them, we will follow up with you and your providers regarding the status of your bills

We do not have a network, which is why our members can go to any provider of their choiceEither they will bill us directly or our members can be a self-pay patient and submit their itemized information to us for processingThe provider you went to was willing to bill us directly, but at an increased rate, without accepting anything lessWe shared the medical expenses, but they in turn, balanced billed you for the remaining amountWhen working with balance bills, we are making sure our members are not paying for inflated prices; the process can take some time to be resolvedYour bills were submitted to a third party, who works solely on balance billsWhen the provider would not accept anything lower than the billed amount, they then turned it over to their attorney for reviewI see that our Research and Resolution team has contacted you and you are sending the receipts showing the payment arrangement you have made You will be reimbursed for the amount, since that voids us trying to negotiate the inflated priceAs soon we receive that information, we will be able to process the remaining expense accordinglyIf you have any additional questions about this, please reach out to our Research and Resolution Department

Thank you for your feedback, as member service is a top priority for Liberty HealthShare, our Quality Control department is currently doing additional training and coaching with our call agents to ensure correct information is being communicated

Good Afternoon, I can understand your frustration when you sign up for something and it turns out to be something it's notWe are Liberty HealthShare, a Christian Health Care Sharing Ministry and we cannot find you anywhere in our system with your contact informationWe do not start our memberships in the middle of the month and we do not have a sales representative by that nameWe sometimes get confused with Liberty Health Insurance, but that is not who we areIf you did in fact sign up for us, Liberty HealthShare, we will be more than happy to assist you with this matter, please reach out to our Member Services Supervisor

Revdex.com: I have reviewed the response made by the business in reference to complaint I [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I think the business did not respond to the actual complaintThey did move me to my husbands account and in retrospect the manner in which they dealt with this move finally (and let me emphasis the word finally, there was a lot of back and forth) does make senseThe problem is that I did not have to merge accounts with my husbandI called in advance of asking for the merge to make sure it made sense, and based on what I was told, it seemed to make senseHowever, what I was told was inaccurateOne of the patient rights as outlined in the policy is the right to accurate information from all agents, which I did not receiveAnd, as I tried to resolve the issue over many many weeks, the inaccuracies grewFurther, some, not all, of the agents I spoke with were rather hostile in their tone, accusing me of having not done a better job of understanding member benefits, plans and how they workI agree, it is a patient responsibility, but also the agents responsibility to accurately communicate how changes in plans will affect individual costsOften the literature does not explicitly make those implications clearThe dispute is resolved, for now, we shall see moving forward, but the issue of agents inaccurately providing information was not addressed in the business responseIt wasn't a "feeling." They did in fact misrepresent how changes to our plans would be handled] Regards, [redacted] ***

As a medical cost sharing ministry, Liberty HealthShare’s members made the decisions on what medical expenses are eligible for sharing, and those decisions make up our Sharing Guidelines As staff, it is our responsibility to all of our members to share only those medical bills which qualify, according to those Sharing Guidelines The reason your bills have been considered not eligible for sharing has been discussed with you personally, by our nursing staff, and you’ve been pointed towards the specific Guidelines upon which that decision was madeThe discussion regarding termination has also been explainedAs well, we have again expressed that if you have information that shows what we received is incorrect, we will take that into consideration Due to protecting both your medical and personal history, we will not discuss particulars on this forumYou are most welcome to contact a Supervisor or Manager for additional responses

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint I* *** and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

We’re sorry you feel you had a bad experience with Liberty HealthShareWe can understand your frustrations when you are a self-pay patient and not receiving the reimbursements in a quick turnaroundThe original reimbursements were returned to us, so we had to wait until those came back and
processed back to your membership before we could issue replacement checksOur Research and Resolution team has been in contact with you and the reimbursements were mailed last weekUnfortunately, we must request medical records for certain conditions in the first year of membership to verify that it is not related to a pre-existing conditionWe base the conclusion solely on the Medical Records we receive from the ProviderIf our member does not like the conclusion we made based off the Medical Records, we welcome them to send in an appealIn your situation, the appeal was reviewed and approved, but that isn’t always the case.If you have any further questions or concerns, please do not hesitate to reach out to our Research and Resolution Team