When you find yourself ready to make a decision about whether to have surgery, which surgeon, what procedure etc....and you give the surgeon the green light to go ahead...the dr's office usually files a preauthorization request with your insurance company. Pre authorization is usually still not a guarantee that they will actually pay/cover the procedure but it's a good indicater. If you get approved..great, it's when they deny you that you must read everything carefully to make sure you file appeals within the appropriate timeframes.
You can try to get a 2 level approved even if the FDA has only approved it for one level. Just depends on your insurance company.
Good luck.
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Injured 9/01
Annular tears L4/5 & L5/S1
denied adr by insurance for 2 level charite as well as hybrid fusion at L5/S1 with Charite at L4/5.
New ins paid for 2 level lumbar prodisc surgery on 4/7/08 (at age 39) with Dr. Westerlund, at Core Orthop
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