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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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Secure 12 x 3 STM 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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 in doubt, please send a new question or ask for an update.

Q: I retired as a safety instructor in Florida at the end of 2005 and my health care is covered by Medicare but my wife is 62 years old will not be covered for 2 1/2 years. She is healthy now but I worry that something may happen in the future before Medicare kicks in for her. What is available in the meanwhile?

A: The new "Secure 12 x 3" short term medical insurance is perfect for your situation. This insurance covers all ordinary and necessary medical expenses, except pre-existing medical conditions, with any doctor or hospital of your choice. The coverage can be renewed for up to 36 months, so there will be no gap in coverage for her. (It is actually a 12 month policy that can be automatically renewed after the first 12 month policy expires for two more times regardless of your medical history or claims). Best of all this insurance is easy to obtain and costs much less than traditional long term health insurance. Use the "Fast Quote" link at and look for the "Secure 12 x 3"" link.


More resources:

Secure Med 12 x 3 Online Pricing and Enrollment