Insurance in MS

I've just been "unofficially" diagnosed (MD friend did exam/took history, no MRI or spinal, reflex tests done) after letting my HMO insurance lapse a year ago after 15 years of non-use except for mammograms. I'm 63 and had mistakenly (naturally something big would develop immediately afterwards) thought I could get to the medicare-elligible age of 65 without problems.

It seems I've had symptoms for 5 years, maybe 7.

I've gotten my old coverage back (12 month lapse) but they do not pay for any medications whatsoever. It's $400/month. I've not asked them about MS yet. I could probably upgrade this coverage.

My disease is beginning to be debilitating - I have odd small pains, cannot lift my right arm straight up over my head all the way, I bump into doorways and stumble sometimes, have congnition problems and tiredness. So, questions for everyone:

1)What is the BEST, most complete insurance coverage you know of for MS? Please tell me of your experiences with this, everyone, and name names so the companies are findable.

2)How important is it that I be treated immediately with interferon drugs so as to delay getting any worse? Obviously this relates to the insurance question. Would you, just guessing, recommend I wait another 18 months when I turn 65 ? Insurance would probably cost - what - $6000 a year….

3)if you had it to do over again how would you handle the insurance issue?

I appreciate VERY much the time a clear and thoughtful response takes.