I am on a Medicare Advantage plan. For me, it was the best option with the least amount of out of pocket expenses.

In addition, because my income is so low, I am on an LIS plan for my prescriptions through some Medicare program. It is for low income, limited income sources. I pay $1.10 for prescriptions and $3.10 for C. Actually, I met the deductible a while ago and don't pay anything for the prescriptions now.

Also, I am on a state program that helps pay my premiums - while it lasts. The program may be cut.


Again, Kelly, as others have stated as well, it is better to have something than nothing at all. Things come up that we are completely unprepared for MS related or not. I would hate for something like that to happen where you don't have the proper coverage and no way to take care of yourself.

As you know, I spent a few months fighting with state programs for DD18. Ultimately, I got stuck with the bill from an ER visit. That bill was over $4,000 plus another $3,000 from another ER visit. Because she didn't have insurance, the hospital cut the bill down to 1/2 and I am still making small ($10 monthly) payments on it.