I carry Universal Health Insurance and am very pleased. The Doctors have all seemed very well qualified, the equipment, mama gram machine, Ultra sound, Colonoscopy, etc that I have had done equals that of the States, with one exception, My abdominal Ultra Sound cost me $1,200 in the Staes, here it was only $50. I paid less than $20. My Mamagram in the States was $500, here it was $30 I paid around $11. My Colonoscopy, well it was my first including the wonderful beverage you must drink it cost around $120 I paid $30. I pay a monthly fee of $32 to carry the insurance and then 20% of services, I LIKE IT! I have never had to wait more than 15 minutes to see the doctor. If I want lab work done I just go to the lab, you dont have to see the doctor first, and there is no charge at all to have the doctor read you results. The Pharmacy also at 20% copay tends to run short of some meds, but do OK overall.