Financial help for college students needing prescription drugs?
My son is a full-time college student who until now has been covered under his father's health insurance. His father has decided to retire early, leaving him with no health or prescription coverage & I only have single coverage through my employer. My son is on 5 different prescriptions (Allegra for allergies, Concerta for ADD, Maxalt for migraines, Albuterol for mild asthma, and some other skin medication). He can get health insurance through his college but where can he go to help defray with the cost of his prescriptions? Thank you.
After doing a little research I have come up with an option that might be of some use. But, before I give you the details of the possible solutions I have found, I want to say that you should discuss with your sonís collegeís health department possible solutions. Colleges and Universities understand that students typically do not have a lot of money, so they will have put into place special measures to help students in need.
Now, that I have talked up the generosity of today's high-education institutions let me say this, many schools, while focused on education, are powered by the all-mighty dollar. This means that it may not be the cheapest option for healthcare, so you may need to look at some other options. The best one that I have found is a program that will help not only your soon, but also your husband. The federal government has put into place a safeguard for those individuals who will lose their insurance; this program is called the Consolidated Omnibus Budget Reconciliation Act or COBRA.
COBRA has been put in to place to aid individuals in need, which includes:
- You or someone in your family is voluntarily quitting a job.
- You or someone in your family is being involuntarily terminated from a job (for any reason except "gross misconduct".)
- You or someone in your family is experiencing a reduction in work hours.
- You or someone in your family is eligible for Medicare.
- You or someone in your family loses dependent child status.
- You have suffered the recent death of a family member.
- You are going through a divorce or legal marital separation.
Both of these options are viable solutions for individuals who are in the situation that you are in. The best advice for I have for you is research, research, research. Also, read this articleHealth Insurance For College Students and Recent Grads: A Look at Your Options- it contains a lot of information regarding the many health insurance options that are available for college students.
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