I just found out that if I take a ppo and want to drop it after 2-3 years or if thet arn't doing me right, I cannot get on a supplement because of ms. I have to make my decision in the next couple of month or be stuck with what I choose If I get a supplement it will cost me $98. mo and I don't have a lot of money to spare and it will go up every year. This is not fun.