Hi Cheryl,
So I did call the state insurance board shortly after my initial denial and they informed me that it is legal for them to do that. Now, is it right? Of course not! But they do it anyway.
In any case, I forgot to update in the winter, BCBS of Florida or Florida Blue DID end up paying for my surgery.
It took a year and a half of appeals, but they finally paid on the final step of external appeal.
Thank goodness I did not get caught with the bill. I was prepared to file for bankruptcy.
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2001 - Pulled off monkey bars, landed directly on coccyx.
2006 - Sports injury that made it worse.
2016 - Multiple instances of paralyzing low-back pain.
2017 - Blew out my back on leg-press. MRI showed L5-S-1 disc herniation and grade 1 retrolisthesis.
2018 - Successful ADR surgery with Dr. Rolando Garcia using the Activ-L implant.
2019 - In physical therapy for burning in feet, L4-L5 diffuse disc bulge and SI joint pain.
2020 - Getting better with one-on-one PT.
30 - Male - American
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