My wife and I have had LHS for over 2 years now and its been great. They pay for everything except for prescriptions and some other small things that we can pay for. Yes it takes a little more time to receive your money back, but its worth it. I was with CIGNA PPO for a long time through work, but once i switched Jobs i had to find my own health care and have loved working with LHS. My wife (before she married me) had horrible issues with health insurance which left her with a lot of fear about coming onto LHS. She now has no fear and loves that we can go to any doctor we want. I also love knowing that my money is going to people who want to live healthy lives. I HIGHLY recommend LHS. They have been nothing short of fantastic.