Hi, Steve:
Thanks for your clarification. If I may make a suggestion, talk with the department of your insurance company that decides on "predetermination of benefits." Ask them if Dr. Chang can make the judgment call about whether the MRI is necessary. If they say he can, tell them to send you a letter stating this, for your records.
I make that call to my insurance company ahead of time, whenever possible, with all my upcoming medical procedures. You probably won't get an ironclad guarantee from the insurance company; instead, the insurance company will give you a more theoretical approval, giving all the usual disclaimers that would void/terminate your benefits (e.g., if your account isn't in good standing).
While I was a watch-and-waiter, I had my otoneurologist handle the ordering of all my tests, including MRIs and audiograms. Since getting CK, however, I've been trying to have Dr. Chang's office handle all my insurance matters (with me checking to make sure everything is in order). Part of my reasoning is my otoneurologist wasn't as on-the-ball as he could've been leading up to my diagnosis and with subsequent counseling (for example, he urged me to get surgery immediately, as he thought my 1.9cm tumor was "huge" and needed urgent attention). That said, I'd still be misdiagnosed if it weren't for his diligence, so my opinion of him is overall highly favorable. But I felt it was time for Dr. Chang's office to take the reins. Eliminating the "middleman" -- a separate doctor to simply order the tests -- seems to make all my arrangements go a little smoother, too. In your case, Steve, you seem to have a better otoneurologist who it makes sense to keep "in the loop," especially since you're continuing to see him/her. But if you'd rather not have them shoot down an earlier MRI, I'd call your insurance company to establish "predtermination of benefits" for tests ordered by Dr. Chang.
Just a (hopefully helpful) suggestion.
Best wishes,
Tumbleweed