I have been contemplating PHI for a while now.

I am not too sure if it is even worthwhile us getting it.

Mainly we would use it for Dental, massage (LOVE my remedial's!!) & natural therapies, glasses/contacts, obviously hospital cover.

Explain the whole ambulance cover thing to me - like do you have OOP expense for that also?

How much do you pay per month? What are you covered for? How many ppl? Anything else you can think of that I may have missed

Thanks so much!