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Rogue is correct that the salary and benefits earned by a police officer working for a major employer anywhere in Canada are excellent. But his mantra is wrong. That kind of approach to managing your money is a sure recipe for problems.

Instead,


It's not how much you make that matters, its how much you spend.
I think that (which you described) is great - go for it!!


Is there a dental school where you go? They might be able to help you.

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Lack Of Insurance Driving Up Number Of Patients Who Seek ER Dental Care

22.05.12 More Americans are turning to the emergency room for routine dental problems — a choice that often costs 10 times more than preventive care and offers far fewer treatment options than a dentist's office, according to an analysis of government data and dental research. Most of those emergency visits involve trouble such as toothaches that could have been avoided with regular checkups but went untreated, in many cases because of a shortage of dentists, particularly those willing to treat Medicaid patients, the analysis said (Tanner, 2/28).


Source: Kaiser Health News

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Applying the DB-DC plan model to group benefits.