1.   As medical director, Munir gets one to two calls a month from people who want treatments not covered by the plan.

2.   And historically, insurance companies have refused to pay, saying that experimental treatments are not covered by their policies.

3.   And of course, the treatment is not covered by insurance.

4.   - Mental-health advocates want insurance companies to cover treatment at the same level that physical ailments are covered.

5.   A company could choose to cover treatments for physical illnesses and not mental illnesses, federal officials said.

6.   A new law in Washington State requires insurers to cover alternative treatments.

7.   Both are undocumented immigrants whose dialysis treatments are no longer covered by federal emergency funds.

8.   But there are realities to consider, most notably his wife, Lorraine, who has multiple sclerosis and whose treatment was largely covered under the corporate health plan.

9.   But their pre-existing conditions and high insurance company premiums preclude access to policies that would cover any treatment that Medicare does not.