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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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Supplemental health insurance details

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 would like to have more information on supplemental health insurance.

A: Supplemental health insurance is less complicated than regular health insurance so all of the relevant details are usually included in an enrollment brochure. This information includes sections on 1) who is eligible, 2) the benefits, 3) the exclusions and 4) procedural issues. All of these policies pay a relatively small cash benefit to the insured rather than to a medical service provider. Benefits are paid separately and in addition to any other insurance. Typically, questions about this type of insurance focus on whether the policy is available to cover a specific pre-existing medical condition and so the article "Finding Health Insurance to Cover Pre-existing Medical Conditions" may be useful for this purpose. The most popular policies available both through an employer-provided benefit plan as well as directly to individuals are the "Basic Health Insurance" plans at and the Value plans known as "Value Health" and Value Med" at .


More resources:

FreedomBenefits.netBasic Health Insurance ValueHealth hospitalization insurance ValueMed outpatient insurance Finding Health Insurance to Cover Pre-existing Medical Conditions