"AskTony" column 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 will be added beginning in late 2010.

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Supplemental health 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posted: 11/22/2006 reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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: My husband's employer adapted a high deductible health insurance and I am having trouble finding supplemental coverage that is available.

A: Very few health insurance policies are available to individuals and families to provide secondary coverage to supplement a primary health insurance plan. These policies must meet specific requirements under each state's insurance laws to allow for overlapping coverage without an "offset" or "subordination of claim" provision. Two types of allowable supplement policies are issued online at www.basichealthinsurance.net. Keep in mind that this supplemental coverage is not available in all states so if your state is not listed, then there may not be any other supplemental insurance available.

Supplemental health insurance

Summary

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