Liberty Healthshare has been FABULOUS. I am a very healthy person and always have been, but this year I got slammed with rotator cuff surgery and the long painful recovery that goes along with it. All of my doctors and therapists have been able to bill Liberty with no problem. Yes, you do need to be monitoring your share box to see when things are being processed, but every time I have called customer service for questions it has been a very pleasant experience. The experience with Liberty has been far superior to what we used to have to endure with Blue Cross or Providence. After we met our Annual Unshared Amount this year, everything has been covered. Liberty has been a Godsend for us and I have told everyone I know about it.