Yep, thats the explanation my doc gave me too. As for the non-insurance cost, I don't know. I never asked although that number sounds about right. Are you considering paying out of pocket? By my calculations that would come up to $60k or more per year. Yikes!! I'd rather spend those saved bucks on experiences...like travel especially since the IVIG is not curative. Keep me posted on what you chose to do.