Thinking About PCGS Submissions, Need Some Help!

Don't forget that pcgs now charges a guarantee premium for successful crossover coins now.

GUARANTEE PREMIUM: The Guarantee Premium is equal to 1% of the value of the coin in its final grade. The value of the coin is determined as the higher of the Declared Value or the PCGS Price Guide value for that grade. The minimum amount for the Guarantee Premium is $5. PCGS reserves the right to make the final determination of the coin's value.

I got this from the FAQ section on PCGS's site.

"What are the rules and regulations to use a Collectors Club voucher?
The Collectors Club voucher may be applied to either the Regular Standard or Regular Secure service. You may submit your coins for either Raw, Crossover or Regrade service. You cannot submit U.S. and World coins together and you cannot submit raw coins, Crossovers, or Regrades on the same submission form.
Voucher is not valid for Mint Errors, Special Issues, First Strike fees, Variety Attribution fees, Oversized Holder fees, Secure Crossover fees or coins valued over $3,000. Additional information may be located with the Submission Guidelines."

With the voucher, any unused submissions will be forfeited. So if you send in 3 coins for grading with a voucher for 4 submissions, you won't be able to use the 4th one at a later date. If you are planning on sending some raw an some to get crossed, the raw and the crossovers have to be on separate submissions in which, if I am not mistaken, you will be charged for return shipping and $8 handling fee for each submission. Multiple submissions can be sent to them in the same package.

If you have the voucher, I think the three options you have are:
1. Use the voucher and send 3 basement slabs with the NGC as a crossover but given the negative associations with basement slabbers, the grades of those coins may be slightly disappointing. PCGS doesn't seem to specify which 3rd party slabs are allowed so I am assuming any can be submitted as a crossover.
2. Use the voucher and send all 4 coins as raw including the NGC but given the grade, it sounds like it could be quite risky.
3. Send in 4 raw coins and use the voucher on that submission and send the NGC on a separate submission but the separate return shipping and $8 handling fees can add up.

This is assuming all the coins are U.S and the raw/basement slabbed coins cannot be submitted under the economy or modern tiers. You could consider submitting the coins through an authorized dealer if the membership route doesn't look attractive to you. Hope this helps and best of luck however you decide to proceed.

Dont forget to create a website and accept submissions too

I would highly recommend cracking out the basement slabbed coins instead of doing a cross over. Just seeing the basement slab will put them in the mindset that the coins are over graded and theyll look for any excuse to knock it down grades.

My advice would be to just bite the bullet and cross the single coin and then try and just buy ones already graded by pcgs to avoid that in the future since the cross over does seem to be more expensive than raw especially for modern coins.