I have had it for about 3 years and also comes with a 'benefits' visa card that is good for several hundred dollars to be used toward some medical/dental expenses that are above what they pay. Also, it has a pharmacy benefit for otc items like toothpaste, etc that is about $150 yearly iirc. I get all my antiseptic sprays, dental care items and lots of other stuff. You get to pick what you want.IIRC that was an option (on some plans) that just got rolled out last year? Glanced at what our Advantage had, and our current(for dental) was cheaper with the same coverage, so passed. Thankfully I was able to keep the plan we had when I retired, so a big group and "lower" cost. Probably check again come "open enrollment" time, to see if the program has improved.