Quote Quoting cbg
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Because contrary to popular belief, the law does not require insurance carriers to violate their policies.

If the policy states that a particular procedure has to be followed before they will pay for a type of treatment, then they are not responsible for paying if you do not follow the procedures. Nothing in the law says that they have to pay for everything that the doctor says is necessary if it is not covered under the plan.
I am concerned that any rehab will exacerbate the condition. The medical people all disagree with the insurer. Who would be responsible if their protocol makes the condition worse?