She needed a pricey drug to prevent MS relapse. Her insurer's 'fail first' strategy left her struggling for months.

Mihaela Chircă

Serena Hostvet has trouble keeping her hand steady when drawing something simple like a pumpkin, and it infuriates her. “At this point, I would just give up,” said Hostvet, 43, of Eau Claire, Wisconsin. “Art is an essential part of me. Not being able to do it as often or as well as I used to is depressing.” It’s also how she makes a living. Hostvet designs jewelry and creates original illustrations for small businesses. “Everything I do is with my hands,” she said. Hostvet has multiple