(1) Only reasonable and necessary medical expenses are payable. Procedures that are not generally accepted by the medical community may be determined not to be "reasonable" or "necessary". Providers are encouraged to seek prior approval from the insurer for experimental or controversial procedures.

(2) Disputes arising over payment of medical services may be appealed pursuant to 39-71-704 , MCA and, when applicable ARM 24.29.1404.

(3) Medical services which are not payable include, but are not limited to, the following:

(a) thermography;

(b) autologous cultured chondrocyte for implantation procedures except when it is performed on the knee; and

(c) endoscopic spinal procedure.