Medicare coverage rules are not always last word. Yes, commercial health insurers often take a cue from the government, but that doesn't mean that they follow blindly.
Carroll
John
J
D019983:Guideline Adherence; D006801:Humans; D019458:Insurance Coverage / Q000331:legislation & jurisprudence*; D008329:Managed Care Programs / Q000458:organization & administration*; D006278:Medicare / Q000458:organization & administration*; D014481:United States