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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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New supplemental health insurance

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 looking for supplemental health insurance which to pick-up my deductible expenses. Do you have any suggestions about who may offer this type of insurance?

A: The most popular insurance of this type is Basic Health Insurance at . The benefits of this policy seem to match the policy deductibles and insurance budget of most people. Coverage is priced and issued directly online and becomes effective on the first day of the following month. Two new policies called ValueMed for outpatient expenses at and ValueHealth for hospitalization expenses at provide even higher levels of coverage. All of these pay cash benefits to the policyholder in addition to any other insurance that may be available so it is now possible to "stack" coverage by taking all three types of insurance.


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