Christian Health Share plans are taking center stage now that traditional health insurance is becoming out of reach for many families. Includes a Liberty health share review, and also if Mormons can use a Health Share.
One day I got my new insurance premium. It had officially surpassed my mortgage payment. That is what made me consider a healthshare.
Why We Chose a Health Share
We were now paying almost $1,000/month for an insurance policy with a $5,500 deductible. We had never used anything but preventative medicine from them.
We’d paid everything else out of pocket for the entire 6 years we’d been on the plan.
I treat a lot at home, and I dread taking my kids to the doctor — so in reality (and through the grace of God) we hadn’t used the health care system much at all.
Anyway, I knew something had to change. Our insurance was going up another 20% a year, and I just had enough. It wasn’t worth it anymore.
When we had started on this same insurance (with a $3,500 dollar deductible) 6 years ago, the cost was just around $400.
I had heard and read a lot about Health Shares. A lot of bloggers had started to use them.
But I was reticent. I’ve been the one who’s billed out the cost of a new car after just 8 hours of work.
I get that health care can entirely ruin you.
I also got (because I read it ALL over their website) that Health Shares are NOT insurance.
Health Share Plans
Why aren’t health shares insurance?
First off, they aren’t governed by the state entities that cover insurance. They are their own thing.
If mainstream insurance companies don’t pay your bill, you have set lines of recourse (although, it is often due to their rules, so it would not rule in your favor anyway).
Also, insurance is run state by state, so since I am going with a health share that is in another state — it clearly isn’t insurance.
2019 Update: I made the choice to leave Liberty Healthshare and switched to CHM (Christian Healthcare ministries). I was just having such poor experiences with Liberty and I am not sure they will ever pay our bills. That post I linked tells all about why we switched, etc.
What is health sharing?
To me, it’s the basic idea of why insurance was started.
I make my payment (of $500) every month. It goes into a pot to pay out insurance expenses of others.
It is run by a religious organization, and you are able to take the religious exemption out of insurance (if that’s still mandated when this post goes live).
It is also governed by a managing board that adjusts the plan to stay solvent.
My particular health sharing plan is run by the Mennonites.
They are very clear that your health bills are YOUR health bills.
However, if there is money in the pot (which there has been for many consecutive years) they pay your bills.
But in reality, YOUR health bills are YOUR health bills WITH insurance!
So often someone won’t be on your plan, or you went to the wrong hospital, or the moon was just a sliver and they don’t cover you on those days.
I just found out that the trauma surgeons at my own hospital won’t take the employees of the hospital’s insurance. We can ONLY go to our hospital, and our trauma surgeons are considered out of network.
How do health shares work when you go to the doctor?
I actually haven’t been (surprise)… but if I did I’d tell them I wanted to pay the cash price. I’d just pay it then, and get an itemized receipt. I’d then turn that into the health share (a VERY easy online process). Within a few weeks they’d process it, and give me the money.
I do have a $1500 dollar deductible — so everything up to that point, I pay for myself (but still submit the receipts so it can count towards my deductible).
2019 update: With CHM I I have a $500/incident deductible. That means for each illness/injury I pay $500 and they chip in after that. So, as you look at insurances be thoughtful with that.
If I was at the hospital I would tell them I was using a religious health share (and cross my fingers that someone there had heard of it — they ARE getting more and more popular, many people at my hospital have heard of them). I’d also call the Health Share to tell them that I was in the hospital and get started on working out an arrangement.
They will negotiate with the hospital directly in these types of cases.
They pay the hospital after a few weeks, just like regular insurance.
I am actually a member of the Church of Jesus Christ of Latter-Day Saints.
As a member of that — we aren’t able to sign up for all of the health shares. Some just don’t accept Mormons, and some have you sign a document that goes against your beliefs (and I always worry they could come back if I had a big claim and say that what I signed went against my personal beliefs).
Liberty Health Share Review
At the time of this initial writing, we have been on Liberty Health Share for a year.
We don’t go to the doctor often, which is why I was willing to try a health share.
We submitted flu vaccines (which are covered) and initially, they were denied, but when I called I quickly got a real human on the line and they quickly re-processed them, and then the doctor was paid (our doctor uses Chrisitan Health Shares frequently, and is willing to wait for the payment).
We have been to the doctor a couple of times, but we didn’t reach our $1500 dollar deductible so we never had a payout.
When we go to the doctor, I still submit it so that we can get credit on our deductible. Scanning it into their box is super simple.
The whole process is really easy, and everyone I have ever talked to has been SUPER nice.
Yup, I’m still worried they won’t pay — but I was worried that my regular insurance wouldn’t pay (at almost twice the monthly payment).
Liberty was very transparent last winter that they were behind on payments. They didn’t have enough for the amount of bills they had. I think this is true of most insurance or health share companies in the winter — but part of me was grateful they were so transparent about it (and part of me was worried).
And, in late 2018 they did increase our premium and deductible.
Liberty does not cover pre-existing conditions for the first few years (they phase in coverage for those items). They do pay for well-visits though.
They do not pay for vaccines for kids over the age of 1, but we have gone to our county health department to have that taken care of at no cost to us. While it’s inconvenient it works.
I am also on the Health Traq plan where a dietician checks up on me once a month and I am working to lose weight. It’s been really good so far.
All in all, choosing a healthshare is the right choice for us. I don’t love it, but it works.
I can understand why you want reviews — I was SUPER nervous to change and I asked a LOT of people what they thought of the health share they were on.
If you have ANY questions I’m happy to answer — just email me — Hilary at pullingcurls.com
A few thoughts about joining the health share:
It did seem like I was joining a cult when I signed up. The process is a little weird, and you do have to make a declaration of faith in order to do it (btw, Mormons can’t join all the Christian health shares, because we are not Christian enough).
It is made clear 400 times that they are NOT an insurance, so I do have some fear in the back of my head that they won’t pay if we ever got into trouble. However, they have paid every bill submitted to them in the past few years — always solvent. They certainly have a history of fulfilling their end of the bargain.
Some health shares do not cover pre-existing conditions, so that is something to consider.
Some health shares pay for preventative and some do not.
Because I am overweight I have to pay an extra $50, but they have also given me a health coach that calls me every other week and encourages me to help me lose weight.
I can’t contribute to my HSA anymore because I am not an HSA-approved plan. 🙁
This type of health plan can’t be written off because it is NOT HEALTH INSURANCE. That is a very sad thing, and actually, the reason I didn’t join sooner (although I am SEEING people who write it off… so maybe look into that).
I ended up saving almost $350 each month by joining the share. Yes, I will pay a bit more in taxes by not having that insurance deduction, but at this point, it’s certainly worth it.
It can be a really nerve-wracking thing, and I’d love to tell you why I ended up picking the one I did.
There are a few options, so check out what works for you. I have found the workers on the phone have been very helpful!
I have an email all set-up to tell you which ones there are and why I went with the company I did. I’d love to send it to you. 🙂
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This post was originally written in 2017 and has been updated.