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You don't have to reply to this in the public forum, but is there any chance you can qualify for Medicaid or whatever the equivalent is in your state? That would be very helpful. Also, the disability process takes an incredibly long time, but you also get onto Medicare at some point. You might have to do that in order to get the care you need. I hope someone here has some ideas about your symptoms.
Havr they found protein in your urine or gave you gotten an ultrasound done? Maybe you can stick with your PCP until you get some insurance that way it is more affordable. You can find some plans are affordable. But if your doctor is testing you already and wanting to send you to a urologist, that might be a pre-existing once you get insurance. Medicaid will cover you even if you have a pre-existing. If your not working, you can get medicaid whatever living situation your in.