I have BC/BS of NY that authorized a two-level; also. a secondary BC of CA plan thru a university. Regan's office told me frankly despite this, I could get stuck with the bill - no guarantees. A bit unsettling. BC of CA's uitilzation review refused to answer directly if they have ever paid for an ADR before, re: precedent.
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Severe, extensive DDD, considered inoperable by Dr. Regan, Lauressen, & some guy at UCLA. Severe foraminal stenosis (guess they can't operate!) and some spinal cord compression that Lauryssen would fix if gets outta hand.
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