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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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Supplemental insurance for pre-existing

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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 need supplemental health insurance to cover surgery on my spouse's knee next month. We have health insurance now, but it has a high deductible.

A: Supplemental health insurance policies contain either an exclusion or a waiting period for pre-existing medical conditions that would limit payments for the proposed knee surgery. The only way to get more liberal supplemental health insurance is to purchase it through an employer. The most liberal coverage available to individual purchasers is offered under "Basic Health Insurance" that covers all pre-existing medical conditions after the policy has been in force for six months. see for more information pricing and online enrollment.


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