Hi! Welcome to the forum, in spite of the negative situation your daughter and you are facing.
Insurance companies differ somewhat, but most require the standard that the CDC set (outdated and useless, I might add) For IgM I believe they require 5 positive, and IgG 3 positive. A ridiculous requirement considering how evasive Borrelia and company are to avoid detection from our antibodies.
I don't think Band 41 is specific to Lyme, it can be any Spirochete form, but 23 is specific.
Drs. that are halfway decent are supposed to rely on symptoms as the bottom line, but you are asking about
Insurance. It might be worth asking them, off the record and without identifying yourself if you can, just in case.
Another problem is that Insurance is not good about
covering extended use of antibiotics to treat Lyme(although they don't mind covering years of it for acne)
If your daughter had a bulls eye rash at any time, and you thought to get a photo of it, that would be a lot of help dealing with insurance.
If you have time, read over our intro "New to Lyme?......start here". There is a wealth of information in there not only about
the different tick borne infections, but tips for helping you help your body through the treatment process, as well as finding a Lyme literate dr. (LLMD) or a Dr. trained in the ILIADS protocol, which is what you basically need to get a comprehensive treatment.
Oh, and it's impossible to know by labs how good or bad the case is, because of what I described above, the Lyme bacteria have had thousands of years to learn self-protection under all living conditions, and their most aggravating one is changing their structure or disguise, and having the ability to hamper our immune function enough that even just a "little" bit found means infected. Like one of our members says, it's the equivalent of being "a little bit pregnant.
Post Edited (julymorning) : 3/20/2017 3:48:22 PM (GMT-6)