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Let’s face it, managing finances or following a budget isn’t easy or enjoyable. But when the frequent and often unexpected medical expenses of a chronic illness start piling up, it quickly becomes clear that something needs to change.

From co-pays and lab tests to MRIs and sky-high medication costs, the financial burden of living with multiple sclerosis can feel impossible to manage. And if managing MS already feels like a full-time job, managing the cost of it might feel like an entirely separate one.

But here is the good news. There are practical, strategic ways to ease this burden. And yes, we will even talk about how to start bringing in income if your MS has impacted your ability to work full-time.

Drake’s Gift and the Reality for the Rest of Us

You may have seen the viral moment when rapper Drake paused his Toronto concert to offer to pay the medical expenses of a newly diagnosed fan. She held up a sign saying, “I just got diagnosed with MS, can you help me?” Drake not only said yes, but also shared that one of his close friends has lived with MS since 2005.

It was an incredible act of generosity. But for most of us, celebrity-funded medical care is not going to happen. And that is why we need real solutions to deal with the real cost of living with MS.

Step One: Create a Budget

If you do not already have a budget, now is the time.

This is not about tracking every penny to the point of stress. It is about gaining awareness and clarity so you can plan ahead.

Start small. Download a budgeting app, look at last month’s bank statement, or just organize expenses by category using a highlighter.

If it still feels overwhelming, consider meeting with a financial planner. Many communities offer free financial counseling at local nonprofit centers or places of worship.

Step Two: Look for Assistance Programs

Many drug manufacturers offer patient assistance programs specifically for MS patients. These programs often provide medications at a reduced cost or even for free, depending on your eligibility.

Ask your doctor or pharmacist about available options whenever you are prescribed something new. And be prepared for some paperwork. This is one of those moments where the short-term annoyance is well worth the long-term payoff.

Remember to recheck these programs regularly. Assistance options can change, and you may qualify for help at different stages of treatment.

Step Three: Set Up a Payment Plan

Medical providers know that most people cannot pay large bills all at once. Contact the billing department and ask about a payment plan. These are usually interest-free and allow you to pay in manageable monthly installments.

The key is communication. Let them know you want to pay and need flexibility to do so.

Step Four: Use FSAs and HSAs

Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) allow you to set aside pre-tax dollars specifically for medical expenses.

FSAs are typically employer-provided and have a use-it-or-lose-it policy, while HSAs are often tied to high-deductible health plans and roll over year to year.

Both can be used to pay for treatments, prescriptions, and even some alternative therapies. Having a dedicated card just for medical expenses can also make budgeting easier.

Step Five: Explore Earning Options with Chronic Illness

Now let’s talk about income. If MS has impacted your ability to work a traditional job, you are not alone. But that does not mean earning money is off the table.

One incredible resource is Patients Getting Paid, a membership program created by Kathy Reagan Young, an MS patient who found herself out of work and needing a new solution. The program helps people with chronic illness find flexible, work-from-home opportunities that allow them to manage their health and still earn money.

They offer:

• Lists of paid gigs including online surveys
• Training in marketable skills
• Support for starting your own business

You can learn more at patientsgettingpaid.com.

You might also consider turning a past career or hobby into freelance work. Were you a teacher? Try tutoring online. Love crafting? Open an Etsy shop. Have admin skills? Virtual assistant roles are in demand. The goal is to work smarter, not harder, and still generate income that supports your health and lifestyle.

Final Thoughts

Managing the cost of multiple sclerosis is tough, but it is possible. From budgeting and financial aid to creative income opportunities, you have tools at your disposal.

You do not have to tackle it all at once. Start with one tip from this list and build from there. Every step you take is a move toward more control and peace of mind in your MS journey.

Want More Encouragement Like This? Tune into this week’s special episode of My MS Podcast:
🎧 S1E14: Managing the Cost of Multiple Sclerosis
Listen now to My MS Podcast