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You must understand that Liberty Healthsahres is a totaly bait and switch company. They do not remburse your paid medical expenses and will run you around so long you will give up.
It so embrassing to say you have Liberty Healthshare as your provider.
Because the medical provider will imdediately say "Sorry, we can't bill them direct, they don't pay us". So, you pay the bill and put your charges in the on line sharebox. You'll be told it will be 90 days and you'll receive paymnet back. After 90 days you start calling to see if you will be rembursed only to begin the run around once again.
I am currently over $10k out of pocket and stopped putting any paid invoices intot he sharebox becuse it takes a long time and frankly its pointless. They currently raised their monthly premium as well. I'm so frustrated and am going to have to figure out new insurance options.
Hoping this review will save people who are hoping for a great product only to be taken complete advantage of. Buy anything but Liberty Healthshares.
User's recommendation: Do not purchase Liberty Healthshare product of any kind.
Monetary Loss: $4000.
Preferred solution: Full refund.
Liberty Healthshare Pros: Resonablly priced.