When it comes to understanding the essence of what Liberty HealthShare is truly about, it’s best to hear it straight from its members. And one of the best places to see Liberty HealthShare reviews is on libertyhealthshare.org. The ministry operates differently from conventional healthcare financing options. It functions on the biblical principle of bearing one another’s burdens, with voluntary monthly contributions from members funding the sharing of eligible medical expenses within the community.
“Our focus at Liberty HealthShare is on our members,” Chief Executive Officer Dorsey Morrow explains. “We are here to help facilitate sharing between our members. We are not driven by profit. It’s frankly our goal to go broke each month. The contributions coming in should be the contributions that go out.”
Members support each other through health challenges rather than paying premiums to an insurance company.
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Member Support Experience
Liberty HealthShare emphasizes personalized guidance through the healthcare system. It employs nurses who understand various medical issues and maintain regular contact with members facing difficulties. Staff regularly pray with and for members.
“We have a list that is distributed internally every Friday of prayer requests from our members,” Morrow shares. “Whether it’s with the member or for the member, we are about prayer. We strongly believe in that here.”
Member Success Stories
Shawn Carroll: Support After a Life-Changing Accident
Shortly after joining Liberty HealthShare in 2017, Shawn Carroll experienced a devastating event that left her with significant medical needs. “I was in a serious car accident in 2017, which caused my medical bills to exceed my auto insurance limits. Liberty HealthShare picked things right up after that and surpassed my expectations,” Carroll recalled.
The accident impacted her ability to work as an artist, but with therapy and support, she regained her artistic skills. “Liberty HealthShare has certainly been another miracle in my life,” Carroll concluded.
The Monterrosa Family: A Decade of Membership
Antonio and Willow Monterrosa joined Liberty HealthShare after facing overwhelming monthly insurance costs of $3,600 for their family. After learning about healthsharing and reviewing the top four cost-sharing ministries, they concluded that Liberty HealthShare was their best option.
Their membership was validated when Antonio needed medical care. “The first real test of our Liberty HealthShare membership came when I received hospital and surgeon bills totaling $8,000,” he recalled in a Liberty HealthShare review. “But it was all shared by our fellow Liberty HealthShare members.” Later, he required appendicitis surgery that resulted in charges of $56,000, which the ministry helped address through its repricing partnerships.
Antonio particularly values Liberty HealthShare’s customer service. “Liberty HealthShare representatives respond promptly, and they are incredibly kind and eager to help you right away,” he added. “It feels like I’m dealing with a caring human being rather than someone reading robotically from a script.”
Mark Matthias and Gina Lombardi: Entrepreneurial Solution
As entrepreneurs starting a small business in Arizona, Mark Matthias and Gina Lombardi faced the obstacle of being ineligible for small business health insurance, while also finding Affordable Care Act marketplace options prohibitively expensive at $3,400 monthly with a $6,000 deductible.
After discovering Liberty HealthShare in 2017, they declared it “almost too good to be true.” Despite the couple’s serious health struggles, including Matthias’ bladder cancer treatment and Lombardi’s broken leg, Liberty HealthShare members’ shared into “pretty much everything,” according to Matthias.
The couple appreciates the ministry’s accountability model. “Instituting the $200 minimum was genius. It makes people think before running to the doctor for every little thing,”
Matthias wrote in a Liberty HealthShare review. They also value the freedom to choose providers as they split time between Arizona and Minnesota.
Program Options and Flexibility
Liberty HealthShare offers six different medical cost-sharing programs tailored to various needs and budgets. Suggested share amounts for individuals range from $89 to $369, with family options starting at $319. The ministry also provides a supplemental dental sharing program with suggested monthly shares starting at $35.
“You can join our membership, and if you determine it doesn’t work for you, you’re not locked into it,” Morrow notes. “You’re free to move to another program, another ministry, or some other option.”
Members appreciate this flexibility, especially regarding provider choice. While Liberty HealthShare encourages their members to utilize providers in one of the country’s largest networks, the PHCS network, to help control costs, members remain free to use any healthcare provider they choose.
Transparency and Accountability
Liberty HealthShare highlights operational transparency with its members. “Anything and everything you want to know about Liberty HealthShare, you can go to our website. If for some reason you can’t find what you’re looking for, give us a call, shoot us an email.”
The ministry actively works to control healthcare costs through multiple vendor partnerships. “We don’t use just one or two vendors to help us negotiate with medical providers on behalf of our members,” Morrow explains. “We’ve got three or four various vendors, and each of them have a very specific task and help us identify problem areas.”
Liberty HealthShare also encourages members to take an active role in their healthcare decisions rather than passively accepting provider recommendations. Morrow believes that if more people would start “understanding what service is being delivered, and getting in and understanding and challenging some of the decisions that are being made, including what they’re being charged and why, I think we can make a significant difference in our healthcare system.”
The Faith Connection
For many members, the faith aspect of Liberty HealthShare is what sets it apart. The combination of practical support and spiritual encouragement creates a holistic care model rarely found in healthcare financing options.
This spiritual dimension often becomes particularly meaningful during health crises. As Antonio Monterrosa expressed, “I have infinitely more faith in Jesus than insurance companies. I’ve never hesitated to continue my membership with Liberty HealthShare.”
