I think you are on track about not counting on a secondary insurance. In fact, I wouldn't even count on your primary insurance according to the small print on the bottom.
What exactly does "they can review this" mean? I would tell them if they want to "review" it, then "review" it before your day of surgery.
Who and where did you find your surgeon to do a two level?
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*10 plus years of back pain
*'99 first MRI shows L4-5 bulge
*'04 MRI shows L4-5 grade 3 annular tear & rupture with moderate DDD
*'05 Discogram shows concordant pain at L4-5
*8/18/05 scheduled ADR surgery participant in Kineflex/Charite study
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