Theresa, I'm sorry you're having such a rough time right now, but I'm happy now that you're going to start one of the biologics. Neither mtx or enbrel alone did much for me either. I needed both. Why would your insurance cover humira and remicade, but not enbrel? I believe enbrel is the least expensive of the biologics. Humira was almost twice the amount of enbrel (I started on humira), and remicade is an IV transfusion so you have to pay for hospital personnel to administer it? Same with the two new biologics (Orencia, and something else I can't quite recall)--they're IV transfusion.
I took enbrel for 8-9 months with only partial relief. When I added the mtx about 3 months ago, it only took about 3-4 weeks before I gained complete relief. And I'm only a very very low mtx dose (7.5 mg). I really hope this is the magic elixir for you.
Elcamino