Anne,
I'm sorry to hear that about your diagnosis. Both drug treatments and a transplant are ways to fight secondary MDS so it's worth learning more about both options. The first thing to learn about the transplant option is whether a matched donor is available.
For the insurance issue you should get expert advice, not assume that your doctor's office knows all the ins and outs. Coverage may depend on where you are treated (which health center). There are a number of organizations on our
Resources page that can give you information about transplant coverage and/or financial help. You might start with the
Aplastic Anemia & Myelodysplastic Syndromes International Foundation for initial advice about who else to contact.