I am hoping someone out there can give me some advice. I have a friend who is an insulin-dependent diabetic. She is currently covered under her mother's plan, but is about to reach maximum dependent age. This dependent is employed, but makes very little money and has no benefits. The mother, daughter, employer and plan are all in New Jersey.

I believe she could: take COBRA, buy individual coverage, or possibly qualify for Medicaid or some other assistance program. If anyone has any suggestions as to how to proceed or anything to watch out for, it would be most appreciated. Thanks very much.

Have her check with the American Diabetic Association. They will know if her state will provide the diabetic supplies she needs or if there is another way for her to get such supplies on a low cost basis, just in case no one comes up with an insurance option for her.