Many questions continue to come in about covering young adults to age 26 on their parents' health insurance coverage. Officially, the regulations governing this issue go into affect on September 23rd, 2010. I've taken the liberty of including an excellent Q&A page from the U.S. Department of Health & Human Services website - www.hhs.gov. It's very comprehensive and covers all the bases.

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: My husband has been offered a job with a good company.They have offered to pay for cobra for the 90 day waiting period until his new insurance kicks in. My question is, my husband is in pain managment where he gets steriod shots and is administered medications from a previous back surgery over a year ago. I myself have high blood pressure.This new insurance company United Health Care, has told me that he must be evaluated by the underwriters to see if they will cover these preexisting conditions,if he denied we will be out of luck. Is there anything that we can do, or any resouce that we can contact to get information. Thank You

Question: I'm 21, and just moved out of state and am not on my moms health insurance anymore because im taking a semester off school. Is there anyway I can get health insurance so I can afford cheaper birthcontrol?

Two questions: I had a sarcoma cancer removed 7 yrs. ago and have tried to get life insurance (additional to my small policy with my employer) but have been denied. Will I ever be insurable? I'm a state employee of 20+ yrs. with 2 children and the possiblity of a layoff, which would cancel my current health and life insurance. Would we as a family (children & husband) be eligible for health insurance? And would we be required to have physicals as I did with the life insurance application? Thank you...

Question: BCBS of Illinois only covers dependent children until 19 years of age. I need to find health coverage with bi-polar, personality disorder, PTS and takes meds. She currently is not employeed.

Question: my question is bcuz of my weight which I have no health problems. I was denied health insurance. Thank you Tina

Question: My daughter was covered under my health insurance until she turned 23 years old. I elected to buy Cobra, hoping that she would eventually get insurance when she graduated from college & found a job. She is working full-time for the federal government, but doesn't receive health benefits (she is considered a seasonal employee). Because Cobra is so expensive, I contacted PacifiCare directly for insurance. (We signed up with Cobra and simply continued with PacifiCare as the provider).
She was just denied coverage because she has been taking Lexapro since she was a teenager. I never that it would be an issue. She saw a psychiatrist 5 times when she was 17 years old. The psychiatrist told me that my daughter has a chemical imbalance and may need to always take meds to regulate the imbalance. My daughter is not bio-polar or suicidal. She graduated cum laude from college and has an active social life. As I said, I never thought in this day and age a drug for depression would keep her from obtaining insurance. Is it considered a pre-existing condition even though she has been covered by PacifiCare for 10 years? (The last 1 ½ years through Cobra, but her health carrier is PacifiCare).
Would it have been better for her to lie and cover the drug expense herself? I know you don't recommend lying, but what will happen in the future if she is offered employment? She is being responsible and taking care of a chemical imbalance and yet she'll be penalized for being truthful.

Question: What are the guidelines for privacy when applying? Is information submitted for application of Insurance protected?

Question: I recently applied and was declined for a condition that I have had for over 10 years and that no underlying cause has been found. When the condition does occur, which could happen once or twice in a year or not at all, the prescription used is of minimal cost. Should I appeal the decline?
Thank you.

Question: I'm looking around for another plan because my insurance company keeps raising th e price - twice this year already and I have not cost them a dime! Is there a company out there who recognizes a good customer when it sees one?

Question: I have an application for United Healthcare and it's asking for so much information that I'm way overwhelmed. What do I include and what do I leave off? I'm completely healthy other than I'm taking HRT meds for hot flashes. I had a summer cold last year but I'm not sure of the date - do these two things need to be on there? Their asking for 10 years back.

Question: My wife and I are in the process of adopting a baby girl from China.We live in Escondido, California. We need to get her some health insurance but the application form for Blue Cross is asking for all kinds of information we just don't have. We don't even know her height and weight at this point! What do you suggest?

Question: I need health insurance but I dont know if I can get it because I have a couple of health issues and you know how insurance companies are. Is it ok to put applications in with a couple of companies at the same time?

Question: How long will it take for my application to go through? I did it online a few day's ago and need coverage to start on the 1st of next month.

Question: I live in Florida and I'm moving with my wife and two sons to Colorado when I start my new job in September. My new employer doesn't offer benefits so I need to get my own insurance. I don't want to be without insurance. My question is how can I get insurance in Colorado when I'm still living in Florida?

Question: I applied for health insurance with Unicare and they turned around and told me they couldn't cover me. Can they do this? I was covered with them for years through my employer and paid them thousands of dollars in premiums. I only have a little acid reflux and use one prescription called Nexium!! Are they allowed to do this? How do I get them to change their minds about this?

Question: I work for a small company that doesnt have benefits like health insurance so my employer will be paying. When I called Unicare and they told me that I couldnt have health insurance with them if my employer is paying for it. Why??? Is there another company out there that will cover me?

Question: I was declined insurance and they said it was because of a previous claim that I made while I had employer coverage with the same insurance company. I called them to find out why and they said I was treated for high cholesterol while I had the group plan. I have never had high cholesterol, in fact I'm completely healthy!!! What do you think I should do about this?

Question: I have been denied insurance due to a pre-existing condition. Are there any insurance companies that will cover me? I have a cyst on my ovary that needs to be removed. I live in California.