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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 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posted: 11/22/2006  reposted: 2/18/2011 This post has not been recently reviewed or revised by the author and may be out of date.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 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.


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