Why dont you send me your address so I can send you 5k worth of bills I had to pay last year for the procedures I needed to have done.. You just go ahead and keep thinking this is good insurance. Wait until you need something done, and CS says you actually did not need it done. Spend your time going to doctors offices to pick up letters stating why it is needed, then send all your information to CS, twice, only to have your claims denied, and sticking you with the entire bill.. When that happens, you may have a different opinion.
And quite frankly, you are a UPSers wife, so you actually do not do the work to earn the benefit.