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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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been recently reviewed or revised by the author and may be out of date.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
www.Basichealthinsurance.net for more information pricing and online
enrollment.
Summary
More resources:
FreedomBenefits.net
http://www.basichealthinsurance.net
