... I have been going to my same pm for 4 years and just got a letter from the pm saying ins. Won't pay for dr. Visit cause it's a pre-existing condition. I use ins. For dr. Visit but not for meds cause the way I was treated by pharmacies and ins. I just paid out of my pocket-I live in fl and I know laws have changed-I'm scared I did something wrong and won't be able to get the help I need-I'm a very private person and only 2 people know I go to pm-it's none of their business and then they will judge. Any advice will be greatly appreciated. Thank you