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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.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Basic Health Insurance with new job

originally posted: 11/22/2006  reposted: 8/15/2011

Q: I recently started a new job and no longer need the Basic Health Insurance plan. I noticed that I am automatically enrolled at the beginning of each month. How do I terminate my enrollment, do I have to contact Markel Insurance directly?

A: Basic Health Insurance is a supplemental insurance that is used in combination with employer-provided group health insurance.  This is a long term plan that continues year after year unless you cancel. It provides cash payments directly to you in addition to the benefits paid by the primary group health insurance. This policy becomes even better after the policy is in force for six months because benefits are extended to include coverage for pre-existing medical conditions. It is not necessary to change or cancel Basic Health Insurance when you leave a job or get a new position, regardless of other heath insurance. You will probably benefit more by keeping this plan as the higher level of benefits become available in the future, but if you want to cancel the insurance, you may do so at any time by calling the plan administrator at the number listed on your card or policy. (If you do not have either the ID card or the policy, call (800) 279-2290).

For your protection, neither the insurance company personnel nor the enrollment adviser can cancel your coverage. For more information, please see the Frequently Asked Questions page at .

Basic Health Insurance usually combined with employer-provided major medical insurance to increase overall coverage.

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