It appears United Healthcare doesn't cover lumbar ADR. Here is the link.
https://www.unitedhealthcareonline.c...the_Spine.pdf/
You can always request, and appeal if denied. This can be a long and frustrating process, but I feel the more we push as patients, the more chance we have of getting the policies changed.
I fought Aetna for a year for a two level cervical ADR and I lost. My surgeons office gave me a huge discount for paying upfront, and they were also willing to take payments if I needed to. A lot of people do well with fusion, that decision has to be yours. But don't rule out ADR because of the cost before doing research on the price.
Hope this helps.
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2004 MRI -cervical bone spur causing pain
2011 MRI -5 bulging discs at C3-7: Recommended C5-6 and C6-7 for a two level fusion, I said no thanks.
2014 MRI -progressive compression C5-7.
MRI 6/5/14- Ruptured L4-5, bulge at L2-3 and L5-S1 Dr recommends discectomy of L4-5 but won't do surgery until cervical is stable
8/2014- 8 months/3 rounds of appeals, Aetna denies 2 level cervical ADR 
2 level ADR w/ mobi-c C5-7 Jan 7, 2015
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