as you can probably tell, you have come to the right place for answers and guidance.
yes, a lupus diagnosis can definitely affect your insurance prospects. Along with medical insurance, you will not be able to get life insurance after diagnosis....therefore, i would recommend that you get these two things in order before you let a dr. actually diagnose you with lupus. However, if you already have medical insurance, then any new insurance companies can not declare pre-existing condition. They can only do this if you did not have med. insurance before. So, keep your insurance present and you should be ok.
The dr. can start treatment prior to a diagnosis, so you have some time. There are a couple of meds that help with the diagnosis process. My rheumy gave me a medrol injection...there are two purposes for this, first lupus responds to this med., so it helps in the diagnosis. Also, it does give you some relief from the symptoms. Also, plaquenil is a very good med for helping control lupus. It takes this med 3 to 6 months to help, but most of us get some relief from it. The other meds used are cortisteroids and immune-suppresent meds. Both of these are serious treatments, and your dr. will advise you on these.
So, go the dr., get the tests, let them start you on plaquenil, and (if needed) delay a diagnosis until you can get your insurance affairs in order.
glad to see you here, welcome to our group.