insurance question?

I have a question that I am hoping someone can help me with. I have ms, been dx for over 10 years. I am on disability with medicare. I have been on ivig treatments for 2 years that have worked incredibly well. My problem happened back in December when medicare decided that since ivig is not a fda approved treatment for ms i would have to pay a 25% copay (around 700 monthly). I recently got married and my husband wants to add me to his insurance and my neuro says that with private insurance my treatment would be covered at 100%. Here is my question, the company where my husband works is cosidered a small business 25-50 people on the insurance plan. I am afraid that my treatments would cause everyones premiums to go up and jeopardize his job. Can this happen? I am on the fence as what to do.  Thanks.

Most small businesses have insurance with a company that has more than just your husband's business as clients.  Your husband's company is very probably part of a much bigger clientele.  I would not worry about this at all.  This is what insurance is all about.  Have this conversation with your husband.  I am sure he has some understanding as to how this works.  I can't imagine that your husband could possibley lose his job over your illness.  That would be illegal.

Just a quick question - would your MS be considered a pre-existing condition under your husband's insurance? If so, many companies require a one year waiting period before coverage would be effective. Others exclude pre-existing conditions from coverage. You might want to double check. Also if you are on Medicare now, would his insurance would be secondary? I am on Medicare and also covered under my husband's employer, but because of my Medicare status my husband's insurance is secondary for medical, but primary for drug coverage. I hope this makes sense.