Liberty Health Shares

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  • #1543990

    nesanel
    Participant

    Hi Coffee Room Members,

    Does anyone here have experience here in Lakewood with birth being covered by Liberty Healthshares? If yes, which hospitals/providers near Lakewood already accept reimbursement from Liberty Health Shares?

    Feedback would be greatly appreciated!!

    #1544335

    Wouldn’t it be better for you to contact them and ask them which providers
    in the Lakewood area accept them?

    #1544329

    Joseph
    Participant

    My understanding is that Liberty will provide reimbursement regardless of which hospital or provider you use. The only difference is whether the provider will accept payment directly from Liberty or whether you’ll have to get the payment from Liberty and pay the provider yourself.

    Since all hospitals in the US cannot refuse service even if the patient does not pay, you presumably can use any hospital without paying upfront and pay once you receive payment from Liberty.

    #1544499

    nesanel
    Participant

    I did, and they work somewhat backwards, and request I give them a list of providers and they will reach out to them, thanks for your feedback!

    #1544500

    nesanel
    Participant

    Joseph, thanks you for feedback, it was very helpful, I will reach out to Liberty to confirm what you just said.

    Thanks!!

    #1544527

    CTLAWYER
    Participant

    @joseph
    It is ONLY public hospitals that MUST accept all patients without regard to ability to pay or requiring payment in advance.
    Private hospitals are not bound to do so for non-emergency situations. They do not consider normal-childbirth an emergent situation and at registration if you don’t have the acceptable insurance or prepayment they can redirect you to another facility if the travel time would not be detrimental to the mother or child.

    #1544581

    Joseph
    Participant

    CTL, how can they redirect you to another facility if they don’t know whether the other facility will, similar to them, decline service?

    In any event, I would think that child birth is considered to be an emergency situation.

    #1544629

    CTLAWYER
    Participant

    @joseph
    The chances are that the patient would be redirected to a public hospital.

    Childbirth in the early stages of contractions is not considered an emergency situation. 10-15 minutes apart, there’s time to send you to a public hospital within 10 miles. 3 minutes apart..admittance.

    We have two hospitals in our adjacent city. One is considered a public hospital, not owned by the government, but in the way it is subsidized by the state government. Both accept emergency room patients without regard to insurance or ability to pay. The private hospital does not accept elective patients without prior insurance company authorization and collection of the patient’s deductible prior to admission. The ‘public’ hospital bills the deductible/co-pay after the fact.

    #1544864

    shmerelberel1
    Participant

    It is worth noting that many leading poskim hold that it is problematic to sign up for liberty health as it is a Christian organization

    #1544933

    Furhatone
    Participant

    I was also thinking the same question. Just had a Liberty guy in my office, the statement that must be signed says that I will abide by Christian values. I won’t sign that. I asked him if 8t could be changed to Judeo-Christian values, he has not gotten back to me. I am looking into the Jewish health share instead.

    #1544967

    yitzchokm
    Participant

    The T&C’s actually mention living like J. C.

    #1680487

    Joseph
    Participant

    Has anyone joined them that can share their experiences as a member?

    #1680492

    Gadolhadorah
    Participant

    Furathone: I hear these advertisements on the radio for one or two X’tian health share programs but never realized there is a Jewish vesion of the program. Is this really just a form of cooperative “self-insurance” where the “members” pool their claims exposure and hire a company to administer the claims and payments with doctors and members. Do they underwrite on a “risk” basis or do the “socialize” risks so that there is a lot of cross-subsidization across age groups and people with pre-existing conditions??

    #1680514

    jacke08701
    Participant

    my experience is pretty good. I was refunded $6000 for a $8000 dollar doctor’s bill. As far as hospital, I asked the hospital to bill them direct. ( that’s all i gave them. ) For every day use. most offices accept them especially urgent care. But any pharmacy is self pay. Just realize it’s not an insurance.

    #1680616

    Joseph
    Participant

    jacke08701: Was it $2,000 less than the bill since your family’s annual “unshared” (i.e. equivalent to an insurance deductible) amount is $2,000?

    #1680854

    Amil Zola
    Participant

    Remember too that you health shares do not abide by HIPA. It is necessary for them to share your medical information with the membership.

    #1680916

    Joseph
    Participant

    Not according to their terms of service that that agree to when you signup, Amil. They contractually agree to keep your information confidential and to not share it.

    #1681005

    Amil Zola
    Participant

    Samaritan and most of the older xtian health shares do require a person to give up their HIPPA rights. These are the health shares where the membership pays the patient directly after charges are acrucced. Health shares have been around for a very long time, they are not new, but primarily focused on certain xtian sects, the RCC, Methodists and Mennonites have health shares that were established many many years ago.

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