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How Does Multiple Sclerosis Affect Group Medical Insurance?

| April 18, 2023

** This is an informative blog. This is not meant to diagnose, treat, or do anything else other than to show how multiple sclerosis can affect your group medical insurance insurance. *** 


     The definition of Multiple Sclerosis is a disease in which the immune system eats away at the protective covering of nerves. This damage disrupts communication between the brain and the body. Multiple sclerosis causes many different symptoms like vision loss, pain, fatigue, and impaired coordination. The strange thing about MS or multiple sclerosis is that the severity and durations of the condition varies from person to person. Some individuals can have severe chronic symptom, while others live their life, almost like they don’t have it at all. 

     According to the *, if you experience Numbness or weakness in one or more limbs that typically occurs on one side of your body at a time, tingling, flectric-shock sensations that occur with certain neck movements, especially bending the neck forward (Lhermitte sign), lack of coordination, unsteady gait or inability to walk, partial or complete loss of vision, usually in one eye at a time, often with pain during eye movement, prolonged double vision, blurry vision, vertigo, problems with sexual, bowel and bladder function, fatigue, slurred speech, cognitive problems, or mood disturbances for a unknown reasons you should see a doctor.  

     According to my research, doctors start with medical history and examinations. From that point blood tests, spinal taps, MRI’s, or evoked potential tests may be requested by your doctor. Diagnosing can be challenging, especially when it comes to unusual symptoms.  

     Unfortunately, there is no cure for multiple sclerosis. Treatment is a matter of slowing down the disease down. It’s meant to help the patients manage their symptoms. Symptoms may also be so minuscule, that treatment may not be necessary, according to your doctor.  

     When it comes to multiple sclerosis and group medical insurance there is some good news. Because of the Affordable Care Act insurance carriers are no longer able to decline covering your pre-existing conditions. They must cover them and they’re not allowed to charge you or your employee’s a higher premium either.  

     If you have multiple sclerosis and are looking for group medical insurance for your employees, we recommend that you speak with an agent to try and find the best company for your current situation. In my opinion, when it comes to insurance, it’s not about the best plan, it’s about the plan that fits you best.