Would we Recommend Liberty?

We recognize not everyone will have time to read the detail of our full experience. Thus, we developed this page to give you our current perspective on Liberty in a streamlined matter. 

Our Final Perspective

We would not recommend Liberty. After experiencing a year working with Liberty we would not trust that a complex medical situation would be covered by Liberty. This is based on the number of challenges we had obtaining reimbursement for even the most basic medical needs (ex. annual wellness visits for our children and flu shots). Below are the most significant challenges we experienced:

Communication is poor – Once your bill is submitted we found that communication as to what is happening with your bill was non-existent. We had to call far to often to understand what was going on and in a couple cases, we learned they were waiting for something from us…but how were we to know. You will not know what is occurring with any of your bills.

Operational inefficiency – This relates closely to the previous point. Our feeling is that Liberty is a growing organization that cannot cope with a larger user base. A growing user base means interacting with more customers, more healthcare providers, having to process more bills, answer more questions – a higher degree of variation. The calls we had with Liberty were maddening - confusion, person A at Liberty not sure why person B at Liberty did what they did, lots of sighs and trying to figure things out. It does not instill confidence...and this was for a flu shot!

Our healthcare providers not working directly with Liberty – Since we were recognized as self-pay customers we must pre-pay for medical appointments, go through an inevitable reconciliation of what we pre-paid vs. the actual cost, then submit a bill to Liberty. As we’ve clearly documented, navigating the back-office of a major medical provider is tedious at best.

This website provides far more detail than I've seen in prior reviews of Liberty. This is not a perspective based on one or two experiences - we documented our full-year experience. We would not recommend Liberty.