Preferred Provider Health Insurance Plan (PPO) Select BasicSM also offers affordable, age-banded rates for child-only coverage. Other health insurance carriers may require the client or their spouse to purchase coverage to insure their child(ren). But with PPO Select Basic, premiums for child-only coverage are based on the age of the child(ren), not whether they purchase other coverage. One application per child is required. For a complete description of benefits, limitations, and exclusions, please refer to the Outline of Coverage.