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Life Planning and Independence

Health Insurance and Medicare

Although the day when every person living with MS is guaranteed adequate, affordable, and secure health coverage may seem far off, there is much that can be done to help everyone make best use of the system we now have. This section highlights some of the Society's recent efforts in this area. It includes useful information to help people with MS, their caregivers, advocates, and health professionals overcome some of the common obstacles to getting and keeping health coverage; understanding one's rights and responsibilities as a plan enrollee; and learning where to turn when more individualized information is needed.

Health Insurance

FAQs About Health Insurance

 Keep Covered—Stay Insured!
COBRA and HIPAA are specifically designed to help people insured in group health plans maintain their coverage and their future insurability
 Pharmacy 101
Why do drugs have side effects? Why do people respond differently to identical drugs? What are generics—are they really okay?
 Finding Lower-Priced Prescription Drugs
Current available strategies and resources
 Shopping for Life, Disability, and Long Term Care Insurance

Health Insurance: Availability and Price
The Society's position, issue, and advocacy efforts


In December 2003, President Bush signed the Medicare Prescription Drug, Improvement, and Modernization Act of 2003—making the broadest changes in Medicare's 38-year history.

 FAQs About Medicare
An introduction to Medicare for people with MS

Basic Facts About Medicare Rx Coverage

 Medicare Reform and Rx Coverage Factsheet
The Society's position and issue
Dr. Lisa Iezzoni

Dr. Lisa IezzoniResearcher. Advocate. Investigator. Living with MS.
Dr. Iezzoni's research team is surveying Society members with MS nationwide to explore their experiences with the availability, costs, benefits, and coverage policies related to health, life, and disability insurance.

"A major purpose of this project is to prepare clear and straightforward information for people with MS and their families that will help them navigate the insurance maze."


Read more about Dr. Iezzoni and her research


The National MS Society is dedicated to promoting access to high quality MS care addressing barriers to meaningful health coverage.

Health Insurance graphic



Center for Medicare Advocacy

Contact your chapter with Medicare and other health insurance concerns.


webcast icon Webcasts
(transcripts available)
MS Learn Online presents
Medicare Series
Intro to Medicare
Prescription Drugs
Home Therapy Services
Addressing Your Concerns
Ask the Expert
Drug Benefits:
Understanding the Facts, Understanding Your Options

Learn more about these and other webcasts

Having a Good Doctor Visit

In the best of all possible worlds you and your doctor would work to keep you as healthy as possible. It’s worth a search, maybe even a fight with your insurance company, to find a doctor-partner.
Read more


Hiring Help at Home: Is it Covered?

Agency administrators usually know insurance requirements and limitations, but double check. Be sure you know what services are covered by your plan.

Read more on hiring help at home

Health Insurance Resources Health Insurance Resources—Options for People with a Chronic Disease or Disability
by Dorothy E. Northrop, MSW, ACSW and Stephen Cooper
Order through Demos Publishing*
Insurance SolutionsPlan Well, Live Better Insurance SolutionsPlan Well, Live Better: A Workbook for People with Chronic Illnesses or Disabilities
by Laura Cooper
Order through Demos Publishing*

There is no time like the present to take charge of your employment future. Consider MS in the planning and
decision-making process of your job.

Learn more about MS and employment

Financial Planning

Plan wisely for the future and meet financial challenges that often accompany life with MS.

Read more financial planning, income caps, and Medicaid


Social Security Disability Insurance (SSDI) benefits are available to workers who have "medically determinable" impairments, preventing them from working.
Read more about
SSDI and the application process

  *All orders placed on Demos Publishing web site receive a 15% discount from list price.  
Last updated October 17, 2007