i was never informed about insurances and such as my parents used to take care of it when i was seeing my pdoc. Have you tried to ask this pdoc why they won't accept any insurance besides Medicare? So Sorry you have to put up with this. i d believe it is your right to ask them. Give it a try! Sending many safe, warm hugs to BOTH you, @yellow_fleurs, your Family, your Friends and ALL of your Loved Ones! Keep fighting and keep rocking NO MATTER WHAT HAPPENS, OK?!