I tore my rotator cuff and was told by my ins that i had to have an X-ray first. Of course the tear did not show up and the ins was still saying no need for any scan. My Dr's office called them and was advocating for me, but the scan was denied until ins was told that I couldn't even pull up my own pants! Suddenly the scan was allowed and the tear was found.
Maybe you need someone to inform them of a real-life consequence, like maybe it caused you to trip and hit your head?
Insurance!