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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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Diabetic in Virginia

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 am an insulin dependant diabetic and have no health insurance. I followed your advice to try to get insurance through the VA Insurance Department Web site but found nothing. Can you help?

A: Yes, you are not alone; we receive many similar requests from Virginia residents. You are probably eligible for the guaranteed issue HIPAA plan in your area. Please fill out an online request form with your contact information at to help make it easier for us to get started. The adviser fee is $150, completely separate from the insurance. The enrollment package for guaranteed issue insurance will be mailed to the address directly from the state-designed insurer in your area and we can help with any other questions at that point. (Prior to your receipt of that package, we have no other information available).


More resources:

OnlineAdviser request