well.........my parents own a convenience store so there aren't any employee benefits or anything like that and it is in a really dangerous area so we need coverage incase god forbid someone gets hurt or something like that. What's the best insurance for something like that w/ dental and vision coverage too if possible. Right now we have a plan that is about 370 a month for 2 parents and child (under 24) but has really crappy coverage....basically it boils down to where you pay about $6000 for anything then they pay 100% for surgery, ER, etc......dental and vision sucks......only thing covered are visits which are $40 then 100%........teeth cleaning and stuff is extra.....