Do the math on vision and dental.
These are profitable plans for insurers for a reason, folks! IF it works for you and your kids-- after pricing out what’s covered, what your predictable needs are likely to be- FANTASTIC. But many employees just check the box (who doesn’t love a pair of free glasses?) without running the numbers and realizing that you may have one year where it makes sense- so you stay on the plan-- and then have five years where you’re paying more in premiums than you are getting back in coverage so are in a net loss position- and inertia means you stay on the plan, and on and on and on…
Happy they’ve worked for many of you. Win-win!