This has been so frustrating! Health insurance got way to expensive for my husband and I because we are self-employed. So we heard about Liberty. We decided to go with it and for the first year it was ok. Now hospitals and Dr offices will no longer submit bills for you so we are left to do it. I have submitted many and have only seen one small reimbursement check. Over the last year we have had a run of bad luck with 3 ER visits that resulted in a surgery for me, and many small sick visits for my husband and kids. As a result we are now in collections with several healthcare providers because Liberty is not taking care of getting them or us our money. We had perfect credit before we started with Liberty and now it is going in the toilet! We don't know what to do! When you call the customer service line the people are rude and treat you like you are stupid. Yes we are paying an affordable premium, but at what cost? Amidst all of this my husband has changed jobs and took quite a pay cut, we are currently looking in to switching to something else. We just don't know what to do.