Ditto the above. Run the numbers for your residence location and family makeup. My family and I have been on Standard over 15 years. Out of pocket has always been lower than company premiums would be. Haven't used the supplements at all as they would not save me anything. Most meds are free or have extremely low copays through the ExpressScripts mail order system. Prime wasn't an option for us due to location. Deductibles are $150/person $300/family and $3000 catastrophic cap. Still use company Dental. Good luck.