Greetings Nch and Welcome to the boards!
The answers to some of these questions can be found here in the boards.
For experimenting with melanotan-1 try this thread:
http://www.melanotan.org/cgi-bin/yabb/YaBB.pl?board=melanotan1exp;action=display
;num=1074206744 As far as insurance potentially covering the costs of Melanotan treatment....that will probably depend upon a doctor's determination if to maintain your health you would benefit from this drug. This question will be answered once this drug comes on the market.
For stock questions I'd try this area:
http://www.melanotan.org/cgi-bin/yabb/YaBB.pl?board=stocktalk Unfortunately, I'm not sure how non-Australians can go about investing in Epitan Limited. My recommendation would be to contact a stock broker or send e-mail to the support department of on of the online brokerage firms (like Ameritrade or Tdwaterhouse) and see if they could help you.
Thanks!
-Scott