I have been looking long and hard at United Healthcare's major medical plan. It sucks but I really can't afford to get decent major medical AND have options for routine care. I can afford dental but that is about it, I am on a grad student budget and there isn't much fudge room. I have insurance now through Assurant and it's pretty lame for what I'm getting. It has a 3,500 deductible and is still only going to cover the big things. The plan with UH I'm looking at has a lower deductible and I have the option to add dental for $20 extra per month. I realize this isn't the ideal situation but I have to make some sacrifices. Aghaa I just don't know what to do!