I saw this and I generally agree we wait until its too late because traditional insurers have nothing to lose since most will be on gov programs if they get sick enough---there is little incentive for them to allow things like abilify that cost more---I know I had to get special approval with my first insurance but not bc/bs that I'm on now. So even if you have quality insurance there is an issue relative to people on disability----no insurance though, obamacare should take care of that to a great extent----its something I'm very glad of because I know I may one day end up working retail or some equivalent where there is no insurance.