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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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Low cost hospitalization policy

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 can I get low cost hospitalization policy?

A: Hospitalization policies cover expenses incurred while admitted as a patient in a hospital but do not cover out-patient costs or visits to a doctor's office. A low cost is achieved by limiting the dollar amount that the policy pays on a per day or other basis. To qualify for this insurance you must 1) live in any sate other than Alaska, Connecticut, New Jersey, Washington and Wyoming, and 2) be able to qualify on a medical basis. There are two ways to qualify medically. The easiest way is to be able to answer "no" to the two medical questions on the application. If you cannot answer "no" then the insurer requests additional details of your medical history and may make the decision to accept or decline your application. The two medical questions on the application are: 1) In the past 24 months, have you or your dependents, if applying for coverage, had chest pains, disease or disorder of the heart, liver, kidneys or lungs, high blood pressure, albumin or sugar in the urine, diabetes, cancer, tumors or ulcers? 2) Have you or your dependents, if applying for insurance, during the past 24 months, consulted a physician or other practitioner or been confined or treated in any hospital or similar institution? Application may be made by mail or fax only; no online enrollment is available.


More resources:

download Value Hospitalization enrollment package