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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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

Q: Help! I need proof of insurance before registering for college tomorrow or else I will be charged a $675 for the 4 month campus health plan in addition to my tuition. I am already short of funds and cannot afford this extra fee.

A: You can enroll online for a 4 month policy at for about 1/3 of the price of the campus health plan. In addition, since the plans allow you to pay monthly, you can "pay as you go" since this is a difficult month financially with other college expenses. When you enroll for the "Secure STM" or the "Simple STM" policy online you will be given an immediate proof of insurance and temporary ID card that can be downloaded and printed for use with college registration. In addition, the policies allows you to seek treatment with any doctor or hospital in the U.S. whereas the campus student health plan relies primarily on local contracted medical providers. The only downside of the policies is that they do not cover pre-existing medical conditions. The campus policy may provide some limited benefit (usually nurses office treatment and emergency care) for pre-existing conditions.


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