I was in a car accident and hit by a drunk driver about two months ago and have had numbness in my arm. First MRI and ct scan confirmed herniated discs at c5/6 and to a lesser degree at c4/5. It was initially thought I had no nerve impingement but the numbness hasn't improved. I went to a neurologist and got an emg which said the problem was originating at c5/6 and the second MRI now shows impingement there. She wants me to go see a nuerosurgeon. Problem is no one wants to accept the auto insurance (usaa) that has been paying for everything else. The nuerologist wouldn't take it either and I had to pay for that out of pocket (about 2000 total my entire savings) and still waiting for reimbursement. How do I deal with this? I am not wealthy nor do I have any family that can help. The neurosurgeon wants a minimum down of 1000 for consult and eval. Initially I was thinking thank god we had such high medpay and underinsured driver coverage but it makes no difference if no specialists will accept it! I'm sure others have dealt with similar issues. Is there a way to work around it? Will insurance ever pay for bills upfront? I have no personal health insurance. Any advice would be appreciated. I'm about ready to pull my hair out over this.