Yep, as a general rule of thumb, it's almost always better to go with the regular plan. There are a few exceptions, so you'd need to look into the details to determine if you are one of the exceptions.

And, as a general rule of thumb, it would be better that our pilot group pull itself up by its bootstraps and use our leverage to negotiate low or no-cost health insurance plans that fully cover the medical needs of ourselves and our families rather than relying on the kindheartedness of our corporate executives to get the job done. Depending on overlords to take care of a group of people hasn't seemed to work out well historically. Look at Venezuela and Cuba.