I'm not sure about the insurance situation, but after suffering from increasingly debilitating back pain (couldn't sleep, could scarcely walk, was crying) my GP sent me for an X-ray and I had a scoliosis of the spine - exacerbated by spinal arthritis throughout - which meant that 2 discs were protruding, trapping the sciatic nerve in 2 places and another nerve once. She sent me to a physio., who was also a qualified osteopath and who explained that my pelvis was also 'out of place'. It took a long time, over 6 months, but gradually he released the nerves with massage and then fraction, by fraction straightened up my spine. What didn't help was that I had had one hip replaced aged 54 and my other chose this time (10 years later) to start collapsing, so it wasn't supporting my spine very well!
He kept me going until my replacement (May this year) and now, after another 2 months of physio, I'm fine!
Initially the specialist did suggest that an op. might be the solution, but I'm glad I chose the longer route. I now know the signs and know that if I act in time and get physio/osteo it can be controlled. Hope this helps you, he has my sympathy, it's an awful 'whole-body' pain.