Wayne’s client cancelled her insurance and was within a one-month gap period before her new individual insurance would take effect. Although her husband wasn’t feeling well, they avoided going to the hospital fearful of out-of-pocket costs. The situation turned for the worse when the client’s husband could barely breathe. Turned out he had blood clots and was in a serious life-threatening situation! The client called Wayne in panic at 10:30 at night – on the way to the emergency room – trying to find a way to be covered. Wayne sprang into action and called her former plan provider. The provider could not deny the client Cobra health insurance coverage during this gap period – something Wayne’s client never realized. In the end, the client’s husband needed one month of hospitalization that cost $400,000. With Wayne’s help, they only paid $2,000 out-of-pocket! Without knowing about Cobra, Wayne’s client would have been stuck with the $400,000 hospital bill – and certain bankruptcy.