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QUESTION: I was rear-ended in December. CT shows 2 herniated disks in my neck and lower back. I am in tremendous pain and the insurance company said they will only pay after I have the surgery. I have no health insurance so I cannot afford surgery. They told me to call Medi-Cal. Is it true that insurance companies will not pay for needed surgery until I have the operation and pay for it on my own first? I need an attorney but I don’t know who to trust or where.