You've probably been given Dr. Nancy Klimas' name. She's in Miami, which I think is a ways from you and I think she has a 2 year waiting list, but it's worth getting on it. You might be able to see her sooner. As for insurance, it depends on what insurance you have. Usually if a doctor orders a test insurance will pay for it, but there are some tests that aren't accepted by the general medical community that they won't pay for. So it depends on the test and the insurance company. XMRV is a retrovirus, like HIV which causes AIDS. However, XMRV is a simpler virus than HIV. XMRV is not a different form of HIV and ME/CFS is not a different form of AIDS. There is a lecture by Nancy Klimas on the homepage of this website that you can read or watch to learn more about XMRV.