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Insurance Hell All insurance-related matters are here: Medicare, worker's compensation, appeals, denials, insights, wins, losses. PRICING is here too. Note: This forum has posts from 2006 forward. Older ones are in the Big File.

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Old 01-28-2007, 06:06 PM
rayray_1 rayray_1 is offline
Junior Member
Join Date: Jan 2007
Posts: 13

hello everyone i'm rayray. it's great to find a site like this one. well i'll start off by saying that i've had some back problems for some time, but then two years ago i was in a car accident and now l4 l5 and l5 s1 are trashed. i went to dr.delamarter and he said i needed prodisc adr, but the bad thing is that at the time of the accident i had kaiser which i couldn't afford shortly after the accident and now i have no insurance. i was hoping to find a ppo that would cover the surgery but don't know which companies cover it here in cali, if any since all of my mri's are going to be dated before my coverage would start. please help me with suggestions on an insurance provider, or am i screwed? thank you all very much
auto accident 2 years ago
herneated disc L4-L5
herneated disc L5-S1
anular tear L5-S1
4 medrol dose packs
3 epidurals
darvocet, vicoden and tylenol4

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Old 01-28-2007, 09:16 PM
LBP LBP is offline
Senior Member
Join Date: Aug 2005
Posts: 446

1st choice should be will have a pre existing condition but ck into it...hopefully that should only mean you have to wait 6 mos or so.

btw..according to Charite's website, Kaiser is supposed to be covering ADR. see

I don't know your employment or income situation but this was a good read on your problem...see

sorry..I keep thinking of new things to last note: keep your eyes peeled for any new clinical trials that might allow for 2 levels. I myself and hoping activ L will do a 2 level study.
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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