My lower back is junk

Been there, done that. My chiropractor has been my savior but I still have issues. I fell out of a semi trailer and landed flat on my *** years ago. I have some lumbar disc damage that could probably be fixed. I have been to the doctor, neurologist and orthopedic surgeon. My insurance doesn't want to pay for corrective surgery unless it's debilitating and I'm not able to function.
Can you switch insurances? My insurance covered my whole back surgery without question.