Harry, like everyone here I wish you the best. You have an advatage in that you live in an area that has some of the best doctors and facilities in the nation, so you will have access to the very latest medical procedures, technologies, and support available. Let them do their work so you can back to the model bench. Keep us informed because you have a lot of friends here and we're all pulling for your recovery.
This is shocking. It's hard to imagine that any carrier has no orthopedist in their network. Orthopedic injuries make up such a large part of medical claims that they should have several go-to docs for their insureds. What are you paying for if not coverage for one of the most common conditions? Given the symptoms you describe it is likely that you have a disc impingement. The least invasive course of treatment would be physical therapy, but perhaps you will need injections or possibly surgery. Hope not, but none of this is free nor cheap. I would file an appeal with the carrier, a complaint with your state's Department of Insurance, and HealthCare.gov. Carriers hate to get inquiries from governmental entities so it might shake something loose. And definitely change carriers when the renewal period opens. But first check to make sure the new company can provide an orthopedist and potential orthopedic surgeon.Good luck.