Basically... all I want is catastrophe coverage... major medical. That's what I've always done and it has always paid off. But it looks like at least Liberty doesn't cover medications for more than 45 days. So if I suddenly develop MS and need $1000 a month in medications, I don't think they are covered. I'm a little worried about their stability too, but otherwise like the idea (and the cost).

Do any of you have any background or experience with them?