My insurance company is being pr*cks and they only have given me 20 physical therapy sessions for the year. I had to use 5 pre-op which only left me with 15 post-op. It has been 5 weeks since my surgery and I only have 10 sessions left, I still have not gotten full ROM back yet and I’m worried that I won’t be able to recover in time when my sessions are done. My PT person said that he had never heard of an ACL tear being rehabbed that quickly. The sessions are $90/session and there is really no way of me being able to afford an extra $180/week. My surgeron prescribed 2-3 times/week for 12 weeks after surgery(I have of course only been going 1-2 times). and then 1-2 times/week for the next 12 weeks….what should I do? The insurance company said I could appeal the sessions(would have to go through the appeals process for each session), but I have to take the sessions first and then go through the appeals’ process. Of course if they decide to overrule the appeal, I would have to pay…