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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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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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 in the process of finding short term medical coverage for myself and my daughter. While looking at your website I went through the seven questions asked to qualify. I was able to answer no to all except the last question about US residency. We have been residing overseas and are now coming stateside. Our coverage here does not extend to the states. Will we be denied coverage because of this?

A: Yes, U.S. short term health insurance is meant for U.S. residents. Citizenship is usually not a consideration. A better insurance option for you is probably "Liaison International" that is meant for this specific purpose. See more information at


More resources:

International Health Insurance listings