[edn88]

We have flex benefits at work - you can opt out of what you want. Seems like I get good value on my dental (unfortunately I have too much dental work), have opted out of drug plan and eye plan, and have a health spending account that I put money in for my contacts etc. I use the extended health plan a lot as well (massage therapy).

The way the flex plan works is that company sets aside x number of dollars for your base plan and then you can spend that money on whichever benefits you want. Don't want extended health, opt out. If you want more life insurance instead, you can more the money there. Don't want any benefits, just take the money (or use it for your company savings plan, or take it as vacation).