[Texas-T]

FYI - If you have health insurance through your employer then you governed by ERISA. Any lawsuits you file against the insurance company must be filed in Federal Court where the most you could ever expect to receive is the cost of surgery - no pain and suffering. This is why the insurance companies have no incentive to cover ADR. Even if you sue after years of appealing, the most they will ever have to pay is what they should have paid in the beginning; the cost of surgery. It’s a win-win for them all around.