remeber- every year the details of what an insurance does or does not cover (and for how much $) can change, so I encourage you to read, read, read those plan details, formularies, etc.

SSDA/SSA and SSDI can have different financial impacts, not the least is of which may be the availability of recieving the low income subsidy/copays

Private/employer sponsored insurance, govt sponsored insurances (TriCare, Medicare, Medicaid) and "group" insurances are not operated exactly the same. Heck, an insurer can have thousands of differing policies, depending on plan selected, premiums, coverage area (where you live) etc.

My new Med Adv PPO covers all the MS inj/oral drugs- but at the specialty/highest tier level. So I can now get the drugs via insurance IF I could afford the coinsurance percentages. C'est la vie.

For me, not having to choose a CRAB due to restrictions or finances almost makes it simpler. No decision or stressing.