Question: I'm male, age 63. I had bariatric surgery. COBRA recently ran out. Applied to several reputable insurance companies, most won't insure us and those who will want $800+ per month. I don't understand underwriters adversity to bariatric surgery whereby I lost 100 lbs. and got rid of my diabetes and medical insurance paid for it. Looking for affordable Major Medical and I can afford to pay $400.

Question: How do you think all this health insurance reform change will impact our premiums? I do understand that you can only give me an opinion, and please allow yourself to speculate if you have to, but the bottom line is that most people I know are just worried about the economical impact of this change in their budgets, and we would like to know what possible scenario are we going to be confronting. From HealthcareShopper customer, Renee Sanudo

Question: I am suffering from metastatic breast cancer and have been treated for several months. Now I am being told that my insurer will only pay for 4 office visits and 300.00 of lab work a year. Can they suddenly change my coverage like this after my deductibles have been met?

Question: I have some questions -
1. I have two cards. Golden Rule and FACT. I believe that FACT is a route to discount services for Dental and Vision. However, on the cover of the document it is stated that the Policyholder is Fact. Could you clarify for me FACT vs Golden Rule?
2. I will need to visit an orthopaedic specialist. Do I select a specialist from www.goldenrule.com (to get a preferred supplier) and make my own appt, or do I need to go through my Primary Care Physician first?
3. When I get medical treatment, should I simply present my Golden Rule card, have them bill Golden Rule, and then pay when they invoice me (i.e. to ensure that applicable discounts are applied)?

Thanks and sorry for the bother.