Tony Novak profile picture
  "AskTony" column archive        


Most Popular

AskTony Archive

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.

New questions

Submit consumer finance questions at and health insurance questions at

Sponsored by: Insurance Exchange - your source of valuable information on state and federal health reform benefits.

Core Health Insurance - America's favorite mini-med insurance  with affordable premiums, freedom to choose providers, optional PPO discounts and guaranteed eligibility regardless of medical conditions.

Please support the Web sites that make publication of AskTony services possible.

Overlapping coverage

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 currently have insurance paid for by myself for my wife and I. I've had this policy 10 years continuously. I do have medical issues that were I to drop the policy, most companies would not insure me. I'm contemplating taking a job that will offer health benefits from day 1. Can I carry both policies for a short time while I decide whether this new company is where I really want to remain? I'm concerned that were I to drop my current policy, start work at the new company, not like it, quit and then I'd be stuck without the hope of getting insurance. What would be my options?

A: You could have both policies for awhile but of course you cannot put claims in to both policies. If the insurance company know about overlapping coverage, they are required to correct it as a consumer protection issue.


More resources:

resource list goes here