I dont know your rank, but here is the deductible information you listed:
Quote:
* Cost sharing begins after the annual deductible is met
o Sponsor's rank is E-4 and below: $50 (Single)/$100 (Family)
o Sponsor's rank is E-5 and above: $150 (Single)/$300 (Family)
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That is a pretty low deductible, I'd say it seems like a decent deal. $50 for you isn't bad, does your wife already have her own insurance or would you be paying the $197 for both of you?
I doubt you could bargain for more pay because you dont use their benefits.