Real people. Real choices.
 OnlineAdviser Tony Novak  800-609-0683     Support options    Site map  
"Personal help with important health insurance decisions"

Tony Novak BBB Business Review
Accident | Short Term | Critical Illness | Dental | Disability Income | Emergency | FB University | Group | Guaranteed Issue | HRA | HSA | High deductible | Immigrant | Individual | International | Life | Major Medical | Medigap | Mini-med | OnlineNavigator | Pre-existing Condition | PPO | Prescription | Small Business | Supplemental | Supplemental | Temporary | Telemedicine | Travel

 OnlineAdviser and OnlineNavigator Q&As

Have a consumer health insurance question?

Ask OnlineNavigator (for health insurance questions) or OnlineAdviser (for all other consumer finance questions) for fast professional response.

Table of contents

In addition to these topics below, another 700 older Q&As on health insurance and related issues, indexed by topic, are included in the "AskTony" column archives here.


Am I required to provide my social security number to obtain health insurance?
Asthma affects eligibility for some short term medical insurance


Beechstreet PPO network doctors
Beneficiary of health insurance


Can a small business employer make a HSA contribution to one employee?
Can COBRA be extended beyond 18 months
Cancelling insurance coverage
Cancer patient loses COBRA coverage
Celtic Insurance rate increase
Celtic Saver Health Savings Account in Florida
Celtic Insurance uses PHCS physician network
Celticare of Massachusetts not supported by OnlineAdviser
Certificate of Creditable Coverage procedures
Child-only health insurance
Cigna PPO network with Celtic Insurance
COBRA after medical termination of employment
COBRA extension of benefits
COBRA extension option
COBRA with state extension
Core Health Insurance comparison
Core Health Insurance legitimate
Core Health Physician Plan has no deductible
Contact information for COBRA plan


Dental discount plans vs. dental insurance
Dental coverage combined with medical insurance
Dental insurance for an undocumented immigrant
Dental insurance without a social security number
Dental coverage in another state
Diabetic in Delaware
Disability insurance is more important than major medical insurance
Does Core Health plan cover prescriptions?
Does Markel Insurance cover infertility treatment?


Ehealth is not an OnlineAdviser site
Enrollment fee for Core Health Insurance
Explanation of Celtic's low rate



Gap insurance
Group or individual insurance for a small business
Grown out of the Gerber Grow Up plan


HCC term medical insurance
Health insurance for a diabetic
Health insurance for a staffing agency
Health insurance options if employer goes out of business
Health insurance prior to Medicare
Health insurance that covers pre-existing medical conditions
Health insurance without a social security number
Health Reimbursement Arrangement for small church
Health Savings Account for 2010
Health insurance for undocumented immigrant
Health insurance with high blood pressure?
High risk pre-existing condition in PA
What is a HIX navigator?
How much is the penalty for not having health insurance?
How to access the heath insurance exchange without a computer


Importance of well-drafted employee health plan documents
Independent agent contracting for Core Health Insurance
International student insurance options
ITIN used to get health insurance
Immediate medical insurance required




Life insurance for an insulin dependent diabetic
Living with cancer - financial planning
Low cost health insurance in New Hampshire


Misinformed about my health insurance


New York individual health insurance options
No low cost health insurance options available to University of Pennsylvania students in 2011-2012
No physical exam required


Online vs. paper enrollment
Oregon health insurance exchange questions
Out-of-pocket expense risk for international health insurance
Overweight insurance options


Pays cash benefits fast when you are sick or hurt
Pre-existing condition law in Texas
Pre-existing prescription drug coverage



Realtors Core Health Insurance alternatives in Kansas
Refund for short term medical insurance 
Refund of COBRA premium?
Requirement to provide a social security number with a health insurance application
Risk of purchasing health insurance without professional advice


Save money with a 6 month policy
Save money with Cigna PPO doctors and hospitals
Short term medical insurance in New York
Small group insurance subsidies on the exchange
Student graduation does not affect commercial health insurance
Student health insurance requirements
Supplemental accident insurance recommendations
Supplemental health insurance starts immediately
Supplemental accident insurance for residents of New York
Supplemental insurance for diabetic in California


Temporary health insurance in New York
Texas health plans fall short of consumer expectations
Tips on handling medical record requests
Trouble cancelling insurance coverage


Understanding a health plan that includes discounts and insurance
UMass student health insurance
Unemployment health insurance in New York
University of Pennsylvania health plan waiver
University of Pennsylvania student health insurance


Verification of insurance for college waiver


What is a HIX navigator?
What to do if I can't get PA Fair Care
Why is Celtic Insurance so cheap?





Have a consumer finance or health insurance question? Ask OnlineAdviser (for consumer finance issues) or OnlineNavigator (for health insurance issues) for a fast professional response.

OnlineAdviser and OnlineNavigator services respond to consumer questions in a range of published media. Effective July 1, 2012 all questions about health insurance are governed by the terms and conditions of and other consumer finance questions are handled through although the two services may otherwise be referred to interchangeably in this Web site and other publications. Selected questions and responses related to health insurance are republished here to help others with the same issues. Privacy is protected; personal information is removed prior to publication. These services are provided without charge on a best-efforts basis.

Mission Statement| Editorial Policy| Privacy Policy| About Freedom Benefits| News| Investors

This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.