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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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Best value health insurance

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 have a Secure STM policy with a $5000 deductible that will expire next month. My job does not provide health benefits until I have been employed for two years and I have more than a year to go. I want the best value policy that covers doctor's and OB/GYN visits but need to keep the price under $100 per month.

A: You made a smart decision last time and your situation remains the same. Secure STM is the nation's highest quality short term medical insurance and you can apply for another policy at the same terms and price. This policy does cover doctor's visits and state mandates require that the specified PAP smear and mammogram be provided without a deductible or co-pay. You already have the best available coverage at the lowest possible price, so just go back to and apply for a new policy to start when your current policy expires.


More resources:

A Review of Secure STM