There are advocacy and lawyer groups out there. MCRA helped with mine. They worked with my Dr first, preparing appeals on his behalf to send for my case. When that was exhausted, they included my info and sent the final one to the external reviewer.
Every insurance has a different appeal process. I believe my Dr and his staff use several advocacy companies for the different insurances.
Early on, I contacted the attorney that won the Cigna case. They are in CA. I never heard back. But I also know the case they won they had done pro bono. There is protection for insurance companies in that if they get sued, they are only required to cover the cost of the benefits (or provide the benefits) and the plaintiff is not entitled to any compensation above that, so hiring an attorney would be strictly out of pocket cost because there won't be any settlement above the benefit cost to cover attorney fees.
A class action suit I'm sure would be somewhat affected by this but for those like you who have covered the cost personally and are seeking reimbursement I think it would be worth it.
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2004 MRI -cervical bone spur causing pain
2011 MRI -5 bulging discs at C3-7: Recommended C5-6 and C6-7 for a two level fusion, I said no thanks.
2014 MRI -progressive compression C5-7.
MRI 6/5/14- Ruptured L4-5, bulge at L2-3 and L5-S1 Dr recommends discectomy of L4-5 but won't do surgery until cervical is stable
8/2014- 8 months/3 rounds of appeals, Aetna denies 2 level cervical ADR 
2 level ADR w/ mobi-c C5-7 Jan 7, 2015
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