I am a public hospital girl and love it.... even though we now have PHI I wouldnt be using it when we have our next baby....

I thought that you couldnt get PG for 12 mths after joining the PHI so in other word if you got PHI today you wouldnt be covered for a PG until this time next year....and if you did get UTD then the PG and birth wouldnt be covered but baby would be once its born... ( aslong as you get family health ) I could be wrong I am almost all the time LOL

Ring up a few heath funds and see what they say....