Cracked iPhone screen...questions re replacement

Ok Ive had my Verizon iPhone since February...yesterday my worst iPhone fear came true...I dropped my iPhone about 4 ft onto cement in 30 degree weather... Over half the screen was really cracked...I have a 32gb so I think vzw charges a $199 deductible...so I found this shop that replaces cracked iPhone screens...he told me the labor itself would only be about $30-40 but then he looked the part price up in his book up to his iPhone 4 CDMA parts guide & mumbles something like "digitizer" & blah blah then tells me the part would cost $150...I asked him what if I brought him the part would he still did it & just charge for labor...he was very nice and said he would do that.
Then I went online & googled iPhone 4 replacement assemblys & saw them for as low as $25 the I saw some for $55ish but nowhere near $150...is there a legit reason why he would charge this price...is the what an apple OEM screen replacement assembly costs, & I was looking at all non-OEM products? What are the downsides, if any, to replacing the iPhone screen with a non-OEM..are some of the features absent, like the oleophobic coating?
So I guess my question is what does an "iPhone screen replacement" assembly include? Besides the screen itself & a "digitizer" (not sure what that is) and how do I know which ones are trash out there & which ones are good? Would you advise any non-OEM product at all?
Please give me any info you have on screen replacement packages, & possibly where I can purchase one that won't be garbage. Oh & also if it says it is meant for CDMA model...should I assume it is going to be the glossy version?
Thanks!

deggie wrote:
So if I'm clear here you have thus far paid $109.90 for insurance and after paying another $199, for a total of $308.90 Verizon will replace your iPhone? Or, as has already been noted you can pay $149 at an Apple Store and get a replacement with a 90 day warranty.
I have no idea why in the **** you are paying for that insurance. I would talk to a Verizon rep about it before doing anything.
when you put it that way, yeah verizon is totally screwing everyone who has iphone insurance with them
this is right from verizon wireless website:
soooooooooo laaaammmmeeee.....I love verizon...but this is clearly called "taking advantage of ignorant consumers." When I had a regular ol' phone & even up to my blackberry it was 6.99/mo for the asurion coverage and a $50 deductable if damaged or stolen, which was totally worth it, but this is not that-clearly. gouge gouge gouge....prices ever increasing....& it's only up to the consumer to keep abreast of the price hikes....
Description
Total Equipment Coverage* offers combines the benefits of Asurion’s Wireless Phone Protection with the Verizon Wireless Extended Warranty program and is now enhanced with Asurion’s Mobile Recovery on compatible devices. If your device or covered accessories are lost, stolen, damaged or experience a mechanical or electrical defect after the manufacturer’s warranty expires, you are protected.
Phones
$6.99 per month per covered phone.
$45 non-refundable deductible per approved claim.
2 replacements in a 12-month period with an equipment maximum of $400 per claim (in New York, 2 claims per policy year)
Advanced Devices
$6.99 per month per covered device.
$99 non-refundable deductible per approved claim.
2 replacements in a 12-month period with an equipment maximum of $1500 per claim (in New York, 2 claims per policy year)
Tablet (Not available for Apple® iPad™)
$10.99 per month per covered device.
$129 non-refundable deductible (Tablets) per approved claim.
2 replacements in a 12-month period with an equipment maximum of $1500 per claim (in New York, 2 claims per policy year)
Other Devices
$9.99 per month per covered device
$169 non-refundable deductible (8GB, 16GB iPhone® 4 and 16GB iPhone® 4S) per approved claim
$199 non-refundable deductible (32GB iPhone® 4 and 32GB, 64GB iPhone® 4S) per approved claim
2 Replacements in a 12-month period with an equipment maximum of $1500 per claim (in New York, 2 claims per policy year)

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<Edited by Host>
Hope that helps.
Message was edited by: CellFixer
Message was edited by: CellFixer

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It will select anything at everything at random, I'll text somebody and it will type random letters and send. Or The swipe up/down menus will come up/down and stay. I've liked, unliked, unfriended, unfollowed and sent gibberish to several people and it's very irritating. I can still use my phone to text/call people, but I have to fight with my phone in order to do so and have to deal with sending gibberish along with every message I send and even to people I never intended on texting. The only way I can get it to stop what it's doing and let me use it is to shut my screen off and turn it back on but that method still isn't very effective.
Also I sometimes see several vertical lines going down the length of my screen. They don't move or anything but I'm sure it has something to do with why my phone is acting out. And well my question here is what should I do?

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