It is going to come down to what you need and actually use...........do you take quite a few prescription drugs, then you are going to want a policy that has cheap co-pays for them, or that gives you a large discount if you order thru their mail-in pharmacy system. Do you need to go to the dermatologist for frequent appts, then you want a cheaper co-pay for doctor's appointments, etc. How much can you afford to pay if you got ill? Usually you have choice of a couple of plans, usually one that is minimum, and one that covers almost everything. There are some where the insurance pays 90% and you pay 10%, or 80% insurance and 20% from you, or a very basic plan.
Dental is usually a separate fee, as well as optical............
Hope that this helps make things clearer for you...........
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