My dad get 1199 coverage. I'm not 100% sure if all coverage is the same for all but from what i hear its pretty good health care insurance. There is no co pay for anything. I think you get like 2 dental check ups a year. Does not cover pulling of wisdome teeth. every year or 2 times a year for vision. 1199 will pay like 50 dollars for frame and lenses, something like that. If you want better ones you have to pay for difference. Thats all that i know of.
LOL what a kidder, Just make up any story, its not like he is going to believe you anyway, unless you use the old story of a death in the family. Thats is if you are willing to go that far but if you take it now or later you will most likely get around the same score. Good Luck,