Alan,
Don't get too down just yet. So far you've tried to see one doctor in your area that is so popular that he doesn't have to take insurance, and then you've consulted one other doctor that for whatever reason doesn't want to perform the surgery. It is good practice to get multiple opinions anyway. He was just your first under your new insurance plan.
My bet is that Aetna will pay out of network rates (probably 70%) of what they deem to be "reasonable and customary" charges for his service, which leaves you with 100% of what Aetna says he should charge and what he actually charges. That could be a lot of dollar$.
Good luck, and please keep us posted.
Jeff
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C4/5 - ACDF in 2000
C5/6 - ACDF in 2002
C3/4 & C6/7 - M6 ADR, Nov 2009, Barcelona
Conceded defeat to a manifestly disingenuous BCBS-TX in my quest for reimbursement, Jan 2011
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