I called Liberty Healthshare in march. I figured I needed Health coverage for the next 6 years as I don't have any now and I will be 65 in 6 years.
I don't drink or smoke and I am not over weight. Being healthy for the past ten years I just wanted coverage for the next few years before ssi takes over. Having been a Christian most of my life knowing I didn't want Obama care and heard the ads on the great plans medishare offered I checked the intrnet and found Liberty Healthshare so and called. I did a short check to see if there were any complaints and couldn't find any so I gave them a shot.
A very nice girl answered the phone and together we started the process. She asked several questions on the first phone call my wife and I took mental notes on all that was said. She asked if my wife and I both needed coverage I said yes. Several questions came up first about my wife.
Does she have any medical issues at this time or in the past 24 months? Respones Yes she was diagnosed with Rheumatoid Arthritis in 2013. To make this short that disqualified her form coverage as the diagnoses was within 24 months of being insured. She will be covered under insurance for anything else that is not related.
She comes to me and asked. Basically the same line of questions starting with in the past 24 months did you have any medical issues? My response was no but I did have a heart attack in 2006. Next question was are you taking any medication at this time?
My response yes I am taking Metoprol, one asprin and natural vitamins and herbs. I also told her I was not taking any other medication Plavix or Lipator due to the many physical issues they were was causing since 2010. I ask her since I had the heart attack in 2006 was ther any problem with a pre existing condition being so long ago (10 years ago with no recurring issues) At that point she said she will speek with her supervisor to see if that would be an issue. About three minutes she came back on the phone and said no AS THE LENGTH OF TIME WAS WELL PAST THE 24 MONTH PERIOD.
Here is where the Christian ethics begin to fall apart... My wife and I agreed that at $300.00 monthly it was a good alternative to Obahma care. I want to say the person I was speaking with was Shardia. Shardia said it would take about 3 days to be approved and (not sure if now or in three days after approval) took our first monthly payment from our Visa.
She called back and yes we were approved. In fun I asked her if I have another heart attack your sure I am covered. She assured me I was at $1000.00 deductable and up to $1 million max coverage. Make this short to my fricking supprise I had just that another heart attack at the cost of over $70,000+. Yes dollars!!!
About 5 days later I received a phone call from a Philis that The latest incident was not covered due to pre existing condition. Of course i called and got the run around that it in the guidlines that in line 14 that includes any medication you were prescribed is a pre condition. As you can see I explained everything in the previous paragraph that happened in 2006 and the meds I was taking as of the signup. I WAS APPROVED AT THE TIME WITH THE MEDS I WAS TAKING.
I will continue to fight these crooks. Liberty healthshare and Christian should not be on the same page. 888-****-**** Tiffiny was the person to call and tell me by phone 5 days after the heart attack I had no coverage. This was never done in writing but over the phone.
Be careful as to these companies as the insurance laws are not the same for these groups. They are deep pockets and use the false name of Christ, Christianaty and our God as a money making machine. I am sure many people have been helped through some of these groups. I swear to our father I am telling the truth.
They want me to appeal my case. I told them everything I had to say and to whom do I appeal Liberty healthshare who called me 5 days after the heart attack to say you have no coverage. Funny after 9 months they ask for my health records and found something they approved over the phone 9 months earlier but now deny coverage.
Scammers let your friends know I know if you call they will say no coment and denai the truth but don't give them your money the coverage is what they decide at the time and cover what they want. Do not get ripped off they are liars
Product or Service Mentioned: Liberty Healthshare Health Insurance.
Reason of review: Poor customer service.
Monetary Loss: $75000.
Preferred solution: Pay the bill as promised at the time of service in Gods name.
Liberty Healthshare Cons: Original sign up was great the outcome was devistating.