3 msfocusmagazine.org I N T H I S I S S U E Health Insurance For People With Multiple Sclerosis, 2019 8 Information you need to know about insurance through the Affordable Care Act and Medicare. Gaps Remain Despite ACA Legislation 12 Advice for the uninsured and underinsured. Top Health Insurance Terms You Need to Know 16 Understand the terms used by your insurance company. Navigating a Change of Insurance with MS 20 How to understand the maze of health insurance. Persistence Pays Off When Pursuing Prescription Appeals 22 What to do when your insurance doesn’t cover your prescription. SSDI - What it is, When to Apply 32 What to do if you become disabled. Giving Back: Country Music for a Cause 34 MS Focus Outreach Volunteer helps Kick MS. Meditation and MS 36 Feel calmer and more relaxed. Caregivers’ Night Out Stories 38 We recognize the loved ones who help those with MS. 6 Thanksgiving Travel Tips 42 While travel will never be the highlight of a trip, with a little planning, it needn’t be the low point either. Advocacy: What is it? 47 Standing up for your rights and needs. Nine Pointers to Keep Caregivers on a Smooth Career Path 48 Advice for caregivers with ful-time careers. Working for Access to Quality Cost-Effective Care 52 Notes from the We Work for Health Summit in Washington, D.C. in July. Our Focus 5 Inbox 6 Takeaways 11 Spotlight 26 MS Focused 40 Read. Watch. Listen. 41 My Story 50 Empowered 55 Doctor’s Notes 56 RX Update 59 Fatigue-Free Foodie 62 Play on Words 63