How old are you gonna be? You in the UPS insurance now?
I was/am in CS also. I signed up for UPS insurance when first offered. I know, some were skeptical and didn't. I found it to be, when I retired, just as good as when employed. Sure there were some co-pays now, but only $10, for instance if you wanted name RXs instead of generic.
I was, however, very disappointed when I turned 65. Then forced to take Medicare plus Supp. I wanted to keep paying the $200 a month for the UPS but they say, nope, you gotta take the Medicare. My wife, though, who is not 65, is still able to stay on, paying the $200 for hers.
My advice? And ONLY my advice...if you are under 65 and going to retire, get in the UPS. It's fairly cheap and covers the same as when working.