Challenges with Insurance

The challenges with insurance have been ongoing. It's so frustrating that there are tools and expertise in helping with managing this disease, but I have to go through this maze of an insurance company to get any of it. I am starting to regret my decision to vote for the Affordable Care Act, and Obama just because all of these things including a home nurse, durable medical equipment, increase in copays on disease-modifying drugs are either non-existent, my insurance won't cover, or it's too damn expensive.

As most of you know I have been having some major cognitive issues, and I am in need of some serious help when it comes to daily activities. Having this home nurse would be more than beneficial for me. Although, according to our insurance, private home nurses are not covered, and as a "favor" they would give me 4 hours of home care a day. Are you KIDDING ME? A favor!??! You think I asked for this disease, and now you think you are doing me a favor??? All i'm asking for is 12 hour care 9 days a month. That's it. It's actually LESS than what they were going to give me, but because I only need it on days that Eric is working, but  I need it for more than 4 hours in a day they deny me? Please tell me if you have a rational reason for this and maybe just maybe I might not get as pissed about it, but from where I am standing it doesn't make a whole lot of sense.

Next denial on the list. They denied me another MRI, because my cognitive issues do not explain another exasperation or a stroke so there is no need for an MRI. I would like to know who made them a doctor and put a M.D. after their name. It's a freaking MRI! I have Multiple Sclerosis that effects the nerves which are in my brain and down my spinal cord, you can't just look at me and say, "oh well, she doesn't look like she has had another exasperation."  You need an MRI to confirm diagnosis, because oh yeah insurance won't do a damn thing without a confirmed diagnosis. No medication, no further testing, no nothing. It's like a catch-22. I bet somewhere in some office they are just saying well if she doesn't get an MRI, we can't confirm, and if we can't confirm then we won't approve any other treatment options.

So these are my woes for the days? What are yours? Do you guys have any suggestions for me? Ways to navigate the insurance maze.

Thanks for reading!