I can't remember if your trying to get reimbursement under PPO coverage or HMO coverage. Have you tried to appeal to any agency outside of the insurance company? I know in Calif. appeals can be made the Department of Managed Care which oversees the HMO's. I've used this avenue quite a few times and have been quite successful. I haven't tried for major surgery though yet. If it's for PPO Coverage then I'm not sure what agency you could appeal to except the Insurance Commissioner in your State like you mentioned.
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7/05 EMG/Nerve Conduction Tests
8/04 Disqualified from ADR clinical trial due to severe osteoporosis -- getting treatment
3/04 updated MRI
11/2000 IDET L 3/4, L4/5
1/2000 Discogram
numerous epidural injections
physical therapy
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