I chose Samaritan but circumstances (employer coverage) only had us with them for 6 months. They seemed the "best" to me in all the research I had done. I didn't have any issue with sending my "share" to whomever I was directed to each month. As rivendale mentions though, you do need to foot the bills (or negotiate extensions) until reimbursement. You also need to be aware of what services may not be reimbursed.