I have Pacificare and they are the WORST insurance company ever. They are constantly giving me problems. My doctor prescribed Concerta for me to help with my brain fog and they have deemed it unnecessary and not within the description of FMS/CFS. So I've lost my job partly because my brain won't function normally and my hope for returning to some sort of normalcy is gone. I can't even concentrate long enough to look for a job. I'm exhausted. I'm pretty much hating life at this point.