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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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Declined by Unicare

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 was referred to your website by a co-worker. I am looking for health insurance for my husband, who is 39 and has high blood pressure that is controlled by daily medication. He has been turned down by my insurance carrier, Unicare. I currently have an insurance salesman from Southwest Service Life Insurance Company who wants to write a policy for him, but I don't know if this is a reputable company and don't know how to find out. It is so confusing and time-consuming to look for insurance that we have just been ignoring the fact that he is uninsured for some time. Any guidance at all you can give would be so greatly appreciated?

A: All of the health insurance plans listed at will accept your spouse based on the information you provided but some health plans restrict eligibility when you have recently been declined by another health insurance company. All of these health plans listed at are reputable and there will probably be several good choices for affordable high quality insurance. Rates and application are handled directly online. Most will issue coverage immediately. Call the free OnlineAdviser with any other questions about coverage choices or enrollment procedures.


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