Liberty just cut me a check directly to cover a $2100 anesthesiologist bill for a surgery 9 days ago. Anesthesiologist office was being a jerk about demanding up front payment. They only notified me a day before my surgery. I was about to cancel surgery, but Liberty stepped in and saved the surgery by making a special arrangement with the anesthesiologist office. I'm telling you, if you have a problem, CALL John in their special projects (see ph number above in my earlier review) group and he gets it solved quickly!!!! Liberty is turning the corner. Great people.