I submitted a bill for a preventive annual physical to One Share. The address on my One Share ID card was not the correct address. One Share changed it but didn't notify me. They gave me a new address so I resubmitted the claim. They then told me I needed to send an itemized bill on an annual physical. Just imagine what One Share will do to you if you have a real claim? Are you going to trust them? I think their product is junk. I'm glad I discovered early what a scam they are.