Table 3

Criteria for determining insurance coverage by insurance provider.

Coverage Criteria
  • Are the coverage recommendations publicly available?

  • Are the coverage recommendations determined in-house, or is there a contract with a third-party company?

  • Is there any symptom criteria?

  • Is there a minimum pain level (as determined by visual analog score)?

  • Is a physical examination or are physical examination findings needed?

  • Are there any specific magnetic resonance imaging language requirements?

  • Does the patient need a documented advanced imaging read of at least moderate-severe stenosis?

  • Does the patient need a documented advanced imaging read of at least mild-moderate stenosis?

  • Does the insurer define acceptable conservative treatments?

  • Does the insurer define how many different modalities of conservative treatments are needed?

  • Does the insurer conflate physical therapy, chiropractic treatment, and osteopathic manipulative treatment?

  • Is physical therapy mandatory?

  • How long does the trial of physical therapy/conservative treatment need to be?

  • Is a home exercise program an acceptable modality of conservative treatment?

  • Are epidural injections an acceptable modality of conservative treatment?

  • Is there a required level of response to epidural treatment that would indicate coverage?