insurance question?

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New Member

Date Joined Feb 2009
Total Posts : 5
   Posted 2/18/2009 8:51 AM (GMT -7)   
I have a question that I am hoping someone can help me with. I have ms, been dx for over 10 years. I am on disability with medicare. I have been on ivig treatments for 2 years that have worked incredibly well. My problem happened back in December when medicare decided that since ivig is not a fda approved treatment for ms i would have to pay a 25% copay (around 700 monthly). I recently got married and my husband wants to add me to his insurance and my neuro says that with private insurance my treatment would be covered at 100%. Here is my question, the company where my husband works is cosidered a small business 25-50 people on the insurance plan. I am afraid that my treatments would cause everyones premiums to go up and jeopardize his job. Can this happen? I am on the fence as what to do.  Thanks.

Veteran Member

Date Joined Mar 2006
Total Posts : 2146
   Posted 2/18/2009 11:23 AM (GMT -7)   
Hey Guppy

Welcome to the board. I'm not sure anyone here can answer u'r question. We can quess at it...but no concrete answers. It is possible that u'r addition to the group would increase the rates a bit. I can't imagine it would increase that much tho. This is a question better answered by an insurance agent. Maybe a uninvolved, nonbiased agent?? Maybe you can contact the insurance commissioner for u'r state as well. I hope u get some answers soon. Take care and best wishes to u on this.
Co-Moderator, MS Forum
*~*Sometimes the Lord calms the storm. Sometimes He lets the storm rage and calms His child.*~*
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Forum Moderator

Date Joined Jan 2007
Total Posts : 3550
   Posted 2/18/2009 5:55 PM (GMT -7)   
Most small businesses have insurance with a company that has more than just your husband's business as clients.  Your husband's company is very probably part of a much bigger clientele.  I would not worry about this at all.  This is what insurance is all about.  Have this conversation with your husband.  I am sure he has some understanding as to how this works.  I can't imagine that your husband could possibley lose his job over your illness.  That would be illegal.

Gretchen       co-moderator MS board       diagnosed with MS July 2006
I have no lesions on my soul and so I will live with no limits.

Regular Member

Date Joined Aug 2004
Total Posts : 274
   Posted 2/18/2009 7:21 PM (GMT -7)   
very sorry to hear your news. stress not good for ms. i'm also on ivig, but have had nj paad, which is for elderly and/or disabled people, and that covers the drip. my regular insurance (aetna medicare) doesn't. contacting your state's insurance commission is a good idea. you'll probably only know when the policy comes out and you contact them. hope it works out for you. i would be scared if i thought i couldn't continue on ivig. linda

Stella Marie
Veteran Member

Date Joined May 2005
Total Posts : 601
   Posted 2/18/2009 8:35 PM (GMT -7)   
Just a quick question - would your MS be considered a pre-existing condition under your husband's insurance? If so, many companies require a one year waiting period before coverage would be effective. Others exclude pre-existing conditions from coverage. You might want to double check. Also if you are on Medicare now, would his insurance would be secondary? I am on Medicare and also covered under my husband's employer, but because of my Medicare status my husband's insurance is secondary for medical, but primary for drug coverage. I hope this makes sense.

Stella Marie

Rare neurodegenerative disease called “Multiple System Atrophy”.  Wheelchair, O2, & Bipap, intrathecal pump, Neurostimulator, dystonia, neuropathic pain and spasticity.

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