@bluebonnet242 I have had some success calling insurance and asking for a supervisor. They can at least give you guidance on what to ask your doctor to write.

With any fracture you should qualify, and with severe scores, even more.

Also have you checked with the companies on financial assistance?

I had an MRI rejected and the insurance sent me a note saying "neck pain" was not enough justification. Turns out my doctor had written a detailed authorization with spinal levels of stenosis, myelopathy, radiculopathy and fractures. The doctor had no idea how that turned into "neck pain."

I urge you to talk to insurance yourself. They can even expedite the authorization. Supervisors can be helpful. Just ask the representative.