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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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Hospitalization coverage explained

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: How does ValueHealth cover doctor's visits?

A: ValueHealth is a low cost limited benefit hospitalization insurance. That means that it covers expenses while you are in the hospital. Expenses incurred while not in a hospital (like regular outpatient doctor's visits) are not covered. For outpatient coverage for expenses like doctor's visits see the companion policy called ValueMed or any of the major medical insurance policies at It is important that whenever possible to combine a hospitalization policy with an outpatient coverage or another comprehensive major medical policy.


More resources:

ValueHealth Hospitalization insurance ValueMed Outpatient insurance