I have used the PHSP for several years now and have found the service to be excellent. The website is easy to negotiate, the forms contain the required formulas to make filing easy, and the response is always prompt. I have a good extended medical plan but it does not cover some goods and services that I require. With the PHSP I can, in effect, pay for these services with pre-tax dollars. I have shared your website with several friends and colleagues who are also now enrolled. Thanks for the great service June!