> Extended insurance is not free; your employer has to pay that Maybe, except now I make more money than any company that doesn't have such insurance would off

> Extended insurance is not free; your employer has to pay that Maybe, except now I make more money than any company that doesn't have such insurance would offer me, AND I have the insurance. So it's all win. My employer didn't have an option for "if you don't take the dental insurance we'll give you more money".