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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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Health insurance with emphysema

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 been using inhalers for emphysema for five years. Would I be eligible for short term insurance with American Health Shield?

A: Yes, you would be eligible for coverage. The application at is not screened for this medical condition. Remember that these policies do not cover the cost of pre-existing medical conditions so in your case this means that the cost of treating emphysema is not a covered expense. This is a good example of a situation where it makes financial sense to choose an insurance policy that does not pay the cost of your pre-existing medical problem because the savings on insurance premium exceeds the cost of the out-of-pocket prescription medication.


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