In 2008 we were in a severe car accident and subsequently my wife has developed neck problems. After a Disco gram, the doctors suggested an Artificial Cervical Disc surgery. Unfortunately, everybody but our insurance (UHC) approves of this. She doesn't want to have surgery at all, but she doesn't want to have any more pain. What do I do? How do I appeal this? I feel bad for my wife and want to help her in the best way I can, and everything points to this being the best option for her. Please help us?
douglasp@mac.com