We were very pleased to discover the Private Health Services Plan. Our accountant suggested it when we had a number of expenses including very costly back surgery outside the country. We have basic insurance but the coverage is limited. We found HUB online and I made contact with June Borle in Vancouver who explained how it works. She walked me through the process and quickly had us enrolled. We have since used the PHSP for medication not fully covered by our insurance plan and for the above mentioned back surgery. We travel a lot so it is a nice security blanket for unforseen medical expenses not covered by other insurance. The forms are easy to fill out. Nothing too complicated. I wish we had known about HUB sooner.