So far it has been worth it for us (family hospital and extras) having both my babies privately and now that my DD has speech issues. I also have glasses for driving (watching movies and such too) and dental is the big one, I had to have a wisdom tooth out after DD and I can't imagine having to wait in pain, letting the situation get worse (it had just come through and was pushing my other teeth) because of not being able to afford getting something done.

I think Trillian said it well.. it is more than the financial thing, it is about the security of getting something done with choices and speed.