I currently have a cancer policy that is calling MDS a precursor to Acute Leukemia and not paying a dime go figure! My Husband was diagnoised with MDS in 2007. We are going to MD Anderson next week for a 2nd opinion due to the fact that his current doctor is ready to do STem CEll Transplantation. If Md deems it necessary for the Stem Cell Tranplantation , I feel he will be in a better place.