MS and insurance companies question

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carolynvb
Veteran Member


Date Joined Oct 2006
Total Posts : 540
   Posted 6/5/2008 9:29 AM (GMT -6)   
Has anyone changed insurance companies since having an MS diagnosis?  Was there a problem even if there is no break in coverage?  Also Life insurance if you have been diagnosed what is the situation there?  How about in the process of diagnosis?Are most of the meds covered? Just trying to get as much info as possible....If not MS then I am certainly going to try and get some type of disability insurance as I am self employed and to add to the burden of ill health I am making no money. First time ever unable to work for a period of time.  Thank you God symptoms are easing off a little today.  I pray it continues........
Whatever this is...if I have much more up and downs I am going to have to make some kind of modifications...my landrover is impossible too high and the baby is on a rollercoaster ride every time I try to put him in there...poor guy. I wore little tiny heels yesterday.....what a joke.... I looked like a weeble wobble going for my neuro appointment. I have battled with the car for the last 2 years and like it and it is paid for so really just hope can continue to use it....For the first time in a week I am able to vaccum!  I would vaccum 2X daily with the dogs! There is so much hair everwhere it is gross.  Wish I could get some help. Hate to ask anyone have never had to but Family is abroad and my hubby tries his best. Still feel like a plate of Jello.  Going up the stairs is hard down is awful knees shake and buckle....anyone else have this issue? up ok down really awful?
 

Gretchen1
Forum Moderator


Date Joined Jan 2007
Total Posts : 3538
   Posted 6/5/2008 9:58 AM (GMT -6)   

Hehe heels!!  Good grief - those are long gone for me.  I am so glad you are feeling a bit better!!  That is wonderful.  It is nice to have a break once in a while.  Do you have older children?  My boys are both great with a vacuum and a dust rag.  They also load and unload the dish washer.  Teaching them laundry is next lol. 

I am not sure about any of your questions.  I would go ahead and call insurance companies and see.  They must have that information for you.  My insurance card had a website that lists the drugs that are covered.  My MS drug is fully covered (thank you God!!). 


Gretchen       co-moderator MS board       diagnosed with MS July 2006


D'awesome
Regular Member


Date Joined Oct 2007
Total Posts : 343
   Posted 6/5/2008 5:13 PM (GMT -6)   
My neuro had been very reluctant to lay the MS dx down on the insurance until he was absolutely sure because of the issues you inquired about Carolyn... it's very tricky business. So you gotta ask and get answers. And don't let on before you do so you can get coverage accordingly.
 
Fortunately for me my hubby's ins is good but his company went and switched companies midstream on me at one point and it kicked out a whole bunch of tests and caused a bunche of deductible chaos for us... even before with the fibromyalgia dx, at one point I was told that I'd have to have NO drs visits for 2 yrs related to the fibro in order to get coverage! Gimme a break! So my drs wouldn't write anything related to fibro... :)  Ins co's annoy both my PCP/GP and the Neuro!
 
And HEELS? OMG... goodness you're a brave lady! It's Birkenstocks or my New  Balance for me, heels went by the wayside years ago... back when klutzy got to be my middle name. :) 
Fear knocked ~ Faith Answered ~ No one was there! :)
 ~ Ephesians 6:13 ~  * ~ Psalm 27:1 ~


carolynvb
Veteran Member


Date Joined Oct 2006
Total Posts : 540
   Posted 6/5/2008 6:38 PM (GMT -6)   
Thank you for the info :) I am talking little tiny ones but guess that is out the window. I am 5'1 and have always worn heels
:( Least of my issues though .... how are you doing D'awesome? feeling OK? I had a good morining and did some chores and then spent the afternoon hating life. It is so scary being so weak and tired. It is getting really old.

D'awesome
Regular Member


Date Joined Oct 2007
Total Posts : 343
   Posted 6/5/2008 8:16 PM (GMT -6)   
Not too bad, Carolyn... I keep trying to plow right on thru it all and got slammed this afternoon with the headache again only to be told my neuro to "go to bed!" So I went home to bed... he says it'll pass shortly... I seem to have a delayed reaction, it'll be all good again in the a.m. :)
 
I hear ya on the tired of being tired but I've learned to accept alot... and just deal. Pretty soon you find yourself adjusting and finding little victories in those adjustments. :) Enjoy the moments. Everything passes and changes... I tell myself it's another adventure!
Fear knocked ~ Faith Answered ~ No one was there! :)
 ~ Ephesians 6:13 ~  * ~ Psalm 27:1 ~


sunshinesyl
Regular Member


Date Joined Apr 2006
Total Posts : 169
   Posted 6/6/2008 11:05 AM (GMT -6)   
wow, carolynvb, I'm feeling the same way like you, I also get the knees shaking when I go up/down stairs, like this week-end at the park, there was this little hill (tiny), my hb had to hold my hand and walk me down, I was embaressed, but I had to see my little nephews baseball game. I wish I could just walk on tiny heels too, I feel like I fall over too, its so sad. so many pretty heels, wish I could wear them, I'm 5'3. I'm not working right now, there r times when I feel so tired I lay down and feel so sleepy but can't. after laying then I will get a burst of energy and then I will vacume or do dishes, yeh then I eventually pay for it later.
My HB is great, he will call and if I'm doing something he will say-you need to stop because you will be in pain later, he's right (lol). I just feel I better clean at that moment when I'm energized.
I have 2 teenagers,10yr, 12yr old.

Have a blessed day
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