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.

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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

Q: I signed up for Careington discount plan at $39.95 per month before I saw the lower prices at Is there any difference in the plans or is it only a difference in marketing charge?

A: The benefits are the same but since there is no sales agent commission to pay, the online price is lower. The comprehensive plan with Dental, Vision, Prescription, Chiropractic, Hearing, Physician and Hospital, 24 Hour Nurse Line is $29.95, If you pay annually, the price is even lower at $269 per household per year. Unfortunately many of the distribution systems for PPO discount plans use some type of multi-level marketing scheme. So if you can save money by enrolling online, that makes more sense. Careington will refund your earlier fee paid on request. The listing of benefits is available either online or downloadable as a PDF file under the column "what you get" on the home page at .


More resources: