Answer: I hear many complaints from consumers regarding what they perceive to be discriminatory behavior on behalf of the various insurance carriers. It's certainly a challenge to find insurance when you have certain health conditions. Bi-polar disorder is one such condition. When an insurance underwriter, the person who reviews your application, makes a decision about whether to approve someone for coverage, they refer to a set of printed guidelines that the company has compiled. The guidelines will tell the underwriter if a person can be offered coverage, if they need to be charged an extra premium or, in some states, if their condition should be excluded for coverage. The kinds of things they consider when they look at making this decision include the costs of medication(s) and other current and potential future treatments associated with that particular health condition. It certainly does seem unfair and I can see how you would feel discriminated against. Try visiting the Health Insurance Risk Pools Information Area of our website to see if there are guaranteed coverage options for you in your state.