I know time is an important factor but sometimes you can fight the insurance company to pay. It has never worked for me but I have friends who have and won or for them. I know for my procedure in OH they were not going to cover so the referral they gave me in MI I sent all my records and a letter stating that I was referred by that doc for the procedure but was also looking for any other procedures,therapy, or feedback that doc could give and I faxed all my records. Good luck to your husband. On the note of insurance companies I don't know why they have to make things so ruff sometimes. Its just adding to the issue.