We have a flex benefit plan. I can choose on how to cover my family on medical and dental. A few years ago I figured I would save some money by not covering my son on dental as he was young and shouldn't need a whole lot of work. A cleaning and checkup was about $400 cheaper than adding him. I lucked out by being able to add him after the cheap checkup revealed 10 cavities and a cap. Quite a change in 9 months. Almost cost me $1800.
I now pay the top coverage for my family of 5 dental and medical. We don't come close to using what I pay but I would rather overpay than get nailed later on 1 sickness that could cost thousands in perscriptions and hospital stays.
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