Wednesday, October 24, 2018

A Quick Note on the Very First Bill we Submitted

We forgot to share a quick story related to the very first bill we submitted this year – for my oldest son’s wellness visit. The bill submission to Liberty was rejected because they said we still had traditional health insurance and they wouldn’t reimburse us if we had traditional health insurance. We have no idea where this came from. The only way we found out was that we called to follow-up on why the reimbursement was taking so long and they indicated the bill wasn’t going to be reimbursed because we still had the insurance. If we would not have called we would have never known and continued to submit bills (another example where better communication during bill processing would save a ton of time). They seemed to indicate we should have received a notice in the mail but we never did.

In response to this, we needed to call our old insurance company and have them prepare a letter showing that our policy expired before we joined Liberty (there was no overlap). We submitted this to Liberty to get the situation cleared up. We only share this story so that you can double check whether you need to submit this type of letter upon joining. We saw no such notice at the time of joining and we are detailed enough to chronicle our experience here. Point is, double check.


  1. Yes, I find it frustrating that they don't notify you when they've processed submitted bills.

    I also find their lack of description as to what was accepted, what went to deductible, and what was rejected and why, pretty frustrating.

    I've been buying Liberty to replace our traditional insurance when we retire until we can get Medicare. I'm a little concerned about whether that was a good decision.

    1. Thanks for your comment! It was terribly frustrating trying to understand where things stood. On multiple occasions we got statements and it was impossible to decipher what they were trying to tell us. In the bottom print it just said "Call for more information" or something along those lines. So you'd call, they'd need to look up what was going on, then it may or may not be a legitimate reason. It almost felt like they were making it hard to understand what was going on so they could hold on to cash longer and help their working capital. They could rightfully claim they've notified you but at the same time it's so cryptic it will take quite a bit of time to figure out. We are trying out a short term plan so we'll let you know if that's any better.