I looked into both Blue Cross and Manulife's benefit options when I lost my job, neither of them seem worth it. Hard to get any more out of them than you put in in premiums. Which makes sense since they are opt-in so their risk pool skews to people needing to use the benefits as opposed to company provided plans which are mandatory and spread the risk out over young single employees.
Don't forget to claim out of pocket medical, drug, and dental on your taxes to get at least some of it back. The inevitable audit hardly hurts at all.
|