Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

PPO discount plan

originally posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date. If you notice an error or are in doubt, please send a new question by email or ask for an update. Email

Q: My company adapted a high deductible health insurance policy and now I have to pay the full cash cost of doctors visits that can be $50 or more higher than we paid under the old health plan and this really adds up fast with our four children constantly going to the doctor.

A: You can reduce the cost of the doctors visits to the same amount as before by enrolling in a PPO discount plan. This makes the pricing and claim processing procedure the same as under your former health plan, even though you are paying the remaining adjusted bill. The price is $269 for the family per year, but you will likely recoup this many times over in provider discounts. This will also give you a discount on prescription drugs and dental expenses. This assumes that your doctors are preferred providers un the PHCS network (the nation's largest), so confirm this on the Web site before you enroll.


More resources: