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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.

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American Health Shield for children

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: I am applying for American Health Shield insurance for our five children beginning February 1, 2006. The Web site says I must apply by mail instead of online

A: You may apply online for coverage in January 2006 but a manual signature of an adult is required on the application when the policyholder is a child. The more problematic issue is that coverage must be applied for within 30 days of the start date of the policy and the American Health Shield product is scheduled to go "offline" in the beginning of January 2006 and be reintroduced by a new insurance carrier a short time later. If this becomes a problem, then any of the other insurance plans at will serve the same purpose.


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