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the Price of Health Insurance from a PPO

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$ 320
Mar 2008
Denver, CO
Independent health care with copay  more... close row
$ 30
Apr 2008
Phoenix, AZ
Catastrophic health insurance covers   more... close row

Description of service

This is for catastrophic health insurance. Meaning that routine items like checkups or glasses aren't covered but catastrophic things like broken limbs or cancer are. The price represents the monthly premiums for a non-smoking male in his late 20s, athletic and in good health, with no known family history of chronic disease. Other policies from basic coverage to comprehensive coverage are available to suit the needs of the customer, with prices varying based on coverage desired and the risk it's necessary for the insurance company to accept.

Review of Service

Although I pay for my own contact lenses, teeth cleanings, and prostate exams (when they become necessary), the insurance more than paid for itself in the money I saved when I was hit in the face with a baseball, broke a tooth, and needed a root canal and crown. I was quoted a grand total of $2000 for the both, and my insurance covered it without a hiccup, a copay, or a hike in my premiums.


There's a trend toward comprehensive health insurance coverage, but the fact that everything, even the routine things, is covered means you don't have a choice but to pay more. A dentist's visit you know you're going to have over and over, like the twice a year checkup, will actually cost you more with comprehensive coverage since the insurance company is definitely going to charge you full price for services you're definitely going to use, and add on a little extra for using the insurance company's services in the process.

Consider your needs when looking for health insurance. If you're young and healthy, you probably don't need comprehensive coverage, and the potentially thousands of dollars a year you save might be better spent elsewhere.

$ 108
Apr 2008
Belingham, WA
High deductible plan saves on monthly fees  more... close row
$ 254
Jan 2008
Randolph, VA
Monthly fee for health and dental insurance for one adult and two children  more... close row
$ 600
Mar 2008
New York, NY
Health insurance from PPO  more... close row
$ 72
Jan 2008
Kennebunkport, ME
I have PPO coverage from a state program  more... close row
$ 495
Mar 2008
Garland, TX
PPO plan for one adult and three children  more... close row
$ 5
Apr 2008
Philadelphia, PA
Five dollar copay makes appointments affordable  more... close row
$ 485
Feb 2008
Health coverage through the university  more... close row
$ 216
Nov 2007
Van Wert, Ohio
Health insurance mandated by court  more... close row
$ 104
Mar 2007
Mount Pleasant, MI
While I was working I was having $27.00 every week  more... close row
$ 400
Jan 2008
Lake, MI
Sharing cost of insurance with employer  more... close row
$ 100
Mar 2008
Ida Grove, Iowa
Health insurance for family of four  more... close row