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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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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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 need to make an appointment with a doctor as soon as possible. How soon can I use a PPO discount card after signing up online?

A: Recent immigrants to the U.S. make up about a quarter of the total population without health insurance, according to the most recent census data. More significantly, this uninsured group is growing faster than any other part of the uninsured population, placing a significant strain on the health care industry. State with significant immigration have taken steps to restrict access to publicly funded health care programs. Florida, California, New York have all expressed concern about the cost of providing health care to the growing population of immigrants. Fortunately, most immigrants with a moderate income can afford at least one of the commercial health insurance plans that are specifically designed for them. These health insurance plans tend to offer lower level of coverage and cost significantly less than regular health insurance policies. This insurance is available on the Internet and supported by OnlineAdviser service. While the insurance is available to all immigrants regardless of national background, personal enrollment support is available only to English-speaking applicants. Specialty Risk International Inbound Immigrant is the leader in this specific market with a wide range of insurance plans for immigrants. More information is available on their Web site.


More resources:

Specialty Risk Inbound Immigrant Quote and Enrollment Link