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.

Pregnancy support resources

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 in doubt, please send a new question or ask for an update.

Q: I would like to talk to somebody about medical insurance that I saw online. I am already 3 months pregnant.

A: Since pregnancy requires specific treatment that is not covered by commercial medical insurance, it makes no sense to talk with any of the insurance plan representatives listed on the Internet at sites like All too often, young women wind up enrolling in an insurance that they think will cover their delivery but it does not. The best resource is your physician, if you have one, or a local health clinic in your community. If you have financial problems you should speak with your county welfare office as well. The good news is that all states any many communities have programs to ensure healthy delivery of babies, with or without health insurance. After you have made arrangements for pre-natal care and delivery expenses without insurance, you can add supplemental insurance with plans like "Basic Health Insurance" "Value Med" and "Value Health" at But please make sure that you focus on taking care of the more important issues first.


More resources:

Finding Health Insurance to Cover Pre-existing Medical Conditions