sorry to say this but it's true. one can't sue a non-for profit insurance company for any more then the act costs of the surgery. no travel or lawyer fees etc...
been there done that with blue crap.
chuck 
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ddd 1990
2003 mri,xrays,shots,emg
2004 discogram ouch pos l4 l5
facet block neg
lost all appeals BCBS 5 months of that
3 surgeons later
surgery with dr. bertagnoli aug 2nd 2006 in Bogen Germany Successfully ProDisc-L L-4 L-5
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