[CharlesinCharge]

BCBS (who also rejected covering my ADR surgery and MANY others as well) does not refuse to cover ADR surgery because of the cost---it could cost less than fusion and they will still refuse to cover it! It is because they consider it "experimental and unproven" as it has not been done nearly as long as fusion. Most of us consider that an excuse to avoid paying, but that is their justification---it is not about cost compared to a fusion. You can try an appeal, a precious few have won against BCBS but most of us have lost. However, it will definitely not be a quick process---the few that have won have gone through multiple appeals and that has taken a year or more. If you need something quickly, appealing their rejection of your ADR is not the route to go. You would have to get the fusion (they covered 100% of my XLIF procedure, which was just as costly an as ADR surgery) or pay for ADR out of your pocket (probably overseas to save money).