It's recommended 65+, which is probably why your insurer won't cover it ... unless you have some condition(s) that warrant an exception. Talk to your physician.

Yup.

Here's a ton more info about the pneumonia vaccines, including what conditions might warrant getting it before age 65.

https://www.immunize.org/askex...ococcal_vaccines.asp

https://www.cdc.gov/vaccines/v...mo/public/index.html

Have gotten the pneumonia vaccines because of asthma.
It was not the latest one.

I got my first shingles vax before my insurance would pay for it. I had had shingles, and didn’t want to get it again.

Got the newer shingles vax when that became available, and it was covered by my insurance at that time.

I don’t let insurance coverage decide whether or not I’ll get something.