My family has been using Liberty Health Share for years now, and I have nothing but high praise to give. Premiums are a third of what we used to pay, and LHS covers way more than our traditional health insurance ever did. We were worried when my daughter needed hip surgery 2 years ago, wondering how the process would work and if we'd get stuck with a huge bill. They paid for ALL of it, no hassles, no delays--they even offered to send us a check to pay her surgeon up front if we needed it. Her physical therapy afterward was covered too. Everything was just taken care of. We were so grateful! Anytime we need something, they are easy to work with. As long as you follow their rules and procedures for pre-notification/billing/reimbursements, there aren't any issues afterward. We will NEVER go back to regular insurance. LHS has taken all the stress and burdensome expense out of healthcare for our family.