Same boat as I'm in.Ariandel said:I'm on my wife's benefits from work as well. They are fine and cover 80% of specific expenses (such as dental), which is pretty good. However they don't cover things like hospital stays etc at all, so I had to get a private insurance plan which does.
It's an extra expense I'm not very happy about since, y'know, I can't work while waiting... but it certainly came in handy when I broke a tooth and had to have a root canal. It paid itself off right there.
My strong recommendation is: Get private insurance.