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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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Adopted baby needs fast coverage

originally posted: 9/19/2006  revised: 12/28/2010

Q: I need coverage for a child that I am adopting in South America. How soon can I get proof of coverage and when will the coverage be effective?

A: If you enroll online at FreedomBenefits.net using the "Liaison International" policy on the International Health Insurance page, the coverage will be effective and proof of insurance will be issued and downloaded immediately on the same day. (Other policies may take longer to issue this confirmation). Coverage becomes affective immediately after midnight when you enroll online. You could sign up for a 30-60 day policy to allow time for regular U.S. coverage to start. Keep in mind that U.S. policies require you to enroll the baby within 30 days after adoption in order to guarantee eligibility.

Summary

More resources:

Liaison International Insurance