In my case, I had the same experience as Stephanie for the basic medical plan, and the separate plans pay for themselves easily. I have a wife and two kids. Three of the four have glasses/contacts, including me with the need for extra tests (glaucoma in the family) and a daughter who is winning the war over a couple curable eye issues. My daughter also has braces (can’t start ortho work until year 3 of having dental insurance), and my son needs extra attention at the dentist (autism related). It ultimately comes down to your needs. The more complicated, the more you need the extra protection.