Well, I may ramble a little too as I can really relate. Please take what I say as my experience of mes. First, IMHO you don't HAVE DiD. It's not a disease. DID describes how you function in this world. It's the reason you are so high functioning inspite of the blows this world subjected you to. BTW there really are a lot of us out there. People were always amazed at how much I could get done. I thought others were lazy or not trying. I don't get too close to people either for fear they will notice my differences. Recently, was out to eat with a group of neighbors & one mentioned I ordered something I told her before I didn't like. Panicsville! Then a normal said he didn't like it usually either but this restaurant made it just like his mother used to. Relief! There is nothing to be afraid of. The dx isn't going to change anything. You are well experienced being a DID! You have done it for years!! I've learned normals get spacey, misplace things, have trouble dealing with life and seek help. That new revelation came yesterday waiting in my T's busy office lobby: bet all of these people are normals..why are they here!!? Can't think of anything DID s do that normals don't do..maybe for a shorter time period, not as often, or not as well!
I would not add it to your insurance unless there was a problem with coverage as you mentioned. I operate on a need to know basis. Do they need to know? If not, it's none of their business.
I almost want to say welcome to the DID association..we are few but we are amazing!