Pinnacle reserve is absolutely miserable unless you live in base.. even if you live in base, it is still horrid. Used and abused does not begin to describe what you'll be going through. Don't expect it to get much better with the new contract, the senior guys and union seems to think that sacrificing reserves for the sake of lineholders is ok.
Insurance is one of the best parts of our current contract. Our union claims we have the best terms of any alpa carrier, and I wouldn't be surprised if it was true. I pay $15 a month, and co-pays are very low.