Health Case Scenario

A mother called me about her son. He was being forced to go on to COBRA, since he was 23 years old. The cost would be $325. She asked me if I thought that was steep and I said it could be, but what, if any were her son's health problems. He had been diagnosed 8 years earlier with Schizophrenia. I knew this would be a tough case. He had been stable for the last 7 years on Clozapine. This medication automatically denied him with my first 2 carriers. I checked with the third carrier. They accepted him covering all pre-existing health conditions including his prescriptions. His final cost was $123, a savings of $200 a month.