I am fortunate in some respects that I work for a state agency, so we have decent security when it comes to insurance and retirement. I'm on a PPO, and generally, it works out. However, it wouldn't pay for custom orthopedic inserts for my shoes even though it'd probably pay for surgery, which is silly. And what gets me the most is dental "insurance," which is a terrible misnomer. Health insurance covers everything--you may have to pay a percentage of the cost, but if you were in a car wreck and needed lots of work, it'd pay. Dental "insurance" is just a capped fund. There's X amount of money, and when it's gone, it's gone. I've paid $8000 out of pocket for dental work. $8000. Half of that was from my grandfather's bequest. They sent me a check for $4000, and I turned right around and gave it all up to my dentist. And outside of some bleach trays (which he charged me cost for), everything I've had done was needed. It pisses me off.