Im facing surgery after 5 yrs dealing with chronic pain in the lower back and neck caused by a bad accident. My doctor wants to do replacement and fusion, ive looked up the cost of this type of surgery and nearly stopped breathing really, not factoring in recovery cost and such and that was just for my lower back.
I have had to fight tooth and nail to this date for every med and treatment as it is, and now facing the high cost of one and two surgeries and the payer comp, they do have a right to decline from my understanding, and I have a right to appeal and have a hearing, the cards are stacked against me also seeing im close to my retirement, but im young and could work longer if I recover well after both surgeries, but not sure at this job.
My main question is, has anyone ever dealt with compensation at work (insurance) for major surgery like lower back and neck ? and what kind of luck have you had or not had ?
Its taken me years to get this far with battles for treatment, social security and such, im just wondering what type of fight if any I could face now.
Thanks in advanced for any responses.