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Health Insurance

Life Insurance for people with MS*

All:  I was diagnosed with Relapsing-Remitting MS in 2012.  In 2004, I obtained a 10-year term life insurance policy, but this was before I'd had any MS symptoms and was years before my MS diagnosis.  The term of that policy passed after I was diagnosed with MS, and I have found that trying to get a new term… Read More


I have just been made aware of plans the government have in regards to the Mobility allowance with Centrelink.  I was diagnosed with MS in 2008, and in 2010 diagnosed with leukaemia. I have been on the mobility allowance for the last few years, which requires us to work in either full time employment or as a… Read More

Venting: Insane beaurocracy...*

Still looking for a neuro for post hospital care and to get any kind of DMT treatment. Got my Insurance company to give me an out of plan authorization because they have no in plan neuros, or so they say sometimes. Went up to the neuro they said I was authorized for, had all my records in hand and had talked… Read More

cvs caremark*

cvs caremark has been giving me a hard time with my copayments. The gal from HealthWell Foundation has giving them ID# and Group # several times. Has anyone esle have trouble this year? Read More

Equipment coverage

I am trying to find out if I have any coverage for exercise equipment in my home - in particular a Nu-Step machine - I use it currently at physical therapy and think it woul;d be greatly beneficial to have when I am not going to physical therapy.  They seem to be quite expensive and I do not have the funds to… Read More


Hello everyone.  I am new to the world of MS but here's the situation.  We have a PPO medical and prescription plan, with a pre-authorization sent out for gilenya - They denied the authorization saying that the patient has to first take injectibles and show that they are unable to tolerate them.  We have… Read More

Need help finding a Neuro in my area...*

Well I've managed to get Medicaid, SSI and Medicare are still pending more 2nd opinions and 'processing.' Now I'm running into a new roadblock thats frustrating the heck out of me. My plan in Floridia Medicaid has a search portal that is 'WOEFULLY' inaccurate, which makes searching for a Neuroligist nearly… Read More

Health Insurance Venting*

Where to start... I know, the begining usually works. It all started back in late 2014. I was a pretty healthy guy who just felt down and off all the time. Blood work is consistently good if not so good my doctors when I could get them would hold their heads in shame because it is better than theirs. I has my… Read More

mris and insurance *

i have been haveing alot of numbing in my left arm with pain and feels like my arm is a sleep but with pain and numbing in my fingers my nero wanted me to get blood and mri on my head and neck went got blood and made app for mri then they called and said it would be 2000 for mri paid when i get it done my… Read More

Aetna *

I was wondering if anyone has experience dealing with the Aetna specialty pharmacy? My insurance just switched over, and I feel like I'm getting the run around about the co-pay for my medication. Read More


Please help, I keep running into dead ends and am becoming desparate. I'm searching for an MS specialist for a second opinion regarding a probable MS diagnosis. (My current neuro (who is a general one), upon reviewing my MRIs and history et al, said he wouldn't offer me treatment even if he was 100% certain it… Read More

Please help!*

Hi everyone.  I have been recently dx with MS.  Unfortunately, I am one of many Americans who are stuck in the middle unable to qualify for either ObamaCare or Medicaid.  I am uninsured and unable to receive treatment.  Is anyone aware of any organizations that provide affordable care for the indigent with MS… Read More

Medical coverage*

Hello, i am off work now due to my MS. Can anyone tell me the best and affordable way to get Health Insurance coverage as my work coverage is going to end soon when FML ends and I have not been approved for SSD but application is in.  I am offered to purchase Cobra from my current job when they term me is… Read More

Disability and insurance *

Hello all. I'm new here and looking for some advice. My mom was diagnosed with MS in 2011. She has mobility issues. Has fallen several times because of a weak left leg and balance issues. She will now be losing her job because of short term memory problems. She is going to apply for disability but I'm… Read More

High or low deductible plan? *

Hello, I just started a new job. They have aetna insurance and I need to choose which plan I want. There are three options, Gold, Silver, and Bronze plans. The Gold has $1300 deductible but costs $186 per pay, Silver $3000 deductible costs $140, and Bronze $6000 deductible and $112/pay. I take copaxone and last… Read More