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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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Basic health insurance is not a primary coverage

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 some questions regarding eligibility for Basic Health Insurance and pre-existing conditions. My father has lymphoma and has recently been laid off from work. He was diagnosed last January and has been receiving treatment since under the coverage provided by his employer. He will continue to be covered until the end of may and then he will go on cobra for 18 months. As of right now his prognosis looks a s though he may need coverage after cobra so I was just wondering if he would be eligible for coverage with Basic Health insurance, and what his monthly payments will be along with what treatments the insurance will cover. He is currently having Rituxin treatments every six months and may need to undergo chemotherapy in the future.

A: Basic Health Insurance is a supplemental insurance that should not be relied on to pay for your father's serious treatment. This small amount of health insurance pays cash to fill the deductibles and coverage holes left by other more comprehensive health insurance. Once you have primary insurance, you can easily answer the other questions about eligibility and price of this secondary insurance. See for availability and for online pricing


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