Where to start? Pinnacol tried hard to deny an emergency surgery for me. They decided withdrew approval for physical therapy less than an hour after a cortisone injection that was administered with the intention of improving the effect of physical therapy. When I then saw no improvement for months and got advice from three orthopedic surgeons that I needed a total hip replacement, Pinnacol approved the surgery, I booked the surgery, then Pinnacol emailed me to say they had revoked approval and required a second opinion (apparently the first three opinions count as only one). I would just self pay to be over this but my personal insurance (BCBS) said that it’s all the same injury and that Pinnacol should be covering the surgery. Moving forward, I will ask employers before accepting jobs who their work comp provider is and if it’s Pinnacol, I would take a pay cut to avoid dealing with this company.