$200 per year seems a bit pricey, but has a break even of approximately 5 years, if you do a will, living will / power of attorney, for 2 adults. Even better if you have a complex situation for an estate plan (step children, divorced, lots of money, trust etc).
I used MetLaw for just this purpose. Setting up a trust can easily run $3,000 in my area. If you're planning on drafting a will/trust in the very near future and have access to MetLaw then it's a great deal. You can always cancel it next open enrollment period.
The lawyer isn't paid just $200. That's your premium for the year. This is like insurance, where the $200 is the premium you pay and the lawyer gets reimbursed for his time from MetLaw.
Mike