Should stem cell surgery be covered?

A Michigan man named Kevin Krohn is suing Home Owners Insurance, Inc. for not paying for his adult stem cell surgery in Portugal with Dr. Carlos Lima. The procedure cost $51,000 and according to Krohn played a vital role in improving his condition. Krohn was paralyzed after a car accident and has "regained bladder and bowel control and is able to move his hips and legs" after receiving a transplant of his own nasal stem cells.

The legal issue the jury must decide is how to apply the state's auto insurance law to Krohn's case. The law requires insurance companies to provide "reasonably necessary" treatment and services to people injured in auto crashes.