Liberty Healthshare has been great for me. I've been with them for about two years now and even my accountant and a couple friends joined and so far so good! I'm a healthy woman in my fifties and other than screening visits hadn't had to submit anything unusual but I got run over by a herd of horses a couple months ago (no joke) and needed a full CT and ER visit (3 fractured ribs and slight concussion) and it was covered. My accountant had an unexpected hospital outpatient visit too and no issues. My only regret is I did not go to an outpatient imaging center as the CT i found would be much cheaper there and with a Healthshare I kind of feel more like it's my responsibility to help save them money, although I really was in excruciating pain.