Thanks for the response. That's all very interesting. > If I had any actionable advice to offer, it would be to look into this crap now. Is that still releva

Thanks for the response. That's all very interesting. > If I had any actionable advice to offer, it would be to look into this crap now. Is that still relevant given that I don't have options? My company only offers one plan (and they cover the monthly cost, so I might as well take it). I'm wondering if there are situations where knowing what is covered would change my actions, even if I can't change which plan I'm using.