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That said, at times the neurologist can come up with the right diagnosis clinically, or maybe it is something autoimmune, and of course that has to be treated also. To give one example, SLE - lupus cerebritis - can present with almost nothing but brain problems. I would say keep pushing for answers and if some test or treatment is not covered appeal it all the way up. A young person with an apparent dementia deserves the best workup they can get.
What makes you connect her memory loss with the medications she takes for schizophrenia? Did a doctor suggest that?