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The rules say that plans must pay for a medical service or item if regular Medicare would pay for it in this case. 
You can find this rule at 42 Code of Federal Regulations (CFR) Section 422.101. 
 
The rules state that Indications for SRS/SBRT (for Cranial and Spinal Lesions): 
 
    Primary central nervous system malignancies, generally used as a boost or salvage therapy for lesions < 5 
  
  cm. 
    Primary and secondary tumors involving the brain or spine parenchyma, meninges/dura, or immediately 
adjacent bony structures. 
    Benign brain tumors and spinal tumors such as meningiomas, acoustic neuromas, other schwannomas, 
pituitary adenomas, pineocytomas, craniopharyngiomas, glomus tumors, hemangioblastomas. 
    Cranial arteriovenous malformations, cavernous malformations, and hemangiomas 
    Other cranial non-neoplastic conditions such as trigeminal neuralgia and select cases of medically refractory 
epilepsy. As a boost treatment for larger cranial or spinal lesions that have been treated initially with external 
beam radiation therapy or surgery (e.g. sarcomas, chondrosarcomas, chordomas, and nasopharyngeal or 
paranasal sinus malignancies). 
    Metastatic brain or spine lesions, with stable systemic disease, Karnofsky Performance Status 40 or greater 
(or expected to return to 70 or greater with treatment), and otherwise reasonable survival expectations, OR an 
Eastern Cooperative Oncology Group (ECOG) Performance Status of 3 or less (or expected to return to 2 or 
less with treatment). Note that the higher a Karnofsky Performance Status is, the better a patient is doing. 
However, the lower an Eastern Cooperative Oncology Group (ECOG) Performance Status is, the better a 
patient is doing. 
    Relapse in a previously irradiated cranial or spinal field where the additional stereotactic precision is 
required to avoid unacceptable vital tissue radiation. 
    Choroidal and other ocular melanomas 
 
Limitations for SRS/SBRT (for Cranial and Spinal Lesions): 
 
SRS is not considered medically necessary under the following circumstances: 
 
    Treatment for anything other than a severe symptom or serious threat to life or critical functions. 
    Treatment unlikely to result in functional improvement or clinically meaningful disease stabilization, not 
otherwise achievable. 
    Patients with wide-spread cerebral or extra-cranial metastases with limited life expectancy unlikely to gain 
clinical benefit within their remaining life. 
    Patients with poor performance status (Karnofsky Performance Status less than 40 or an ECOG Performance 
greater than 3) - see Karnofsky and ECOG Performance Status scales below. Note that the higher a Karnofsky 
Performance Status is, the better a patient is doing. However, the lower an Eastern Cooperative Oncology 
Group (ECOG) Performance Status is, the better a patient is doing. 
    Cobalt-60 pallidotomy is non-covered. 
 
Indications for Stereotactic Body Radiation Therapy (SBRT): 
 
    SBRT is indicated for primary tumors and tumors metastatic to the lung, liver, kidney, adrenal gland, or 
pancreas. 
    SBRT is indicated for treatment of pelvic and head and neck tumors that have recurred after primary 
irradiation. 
    SBRT is indicated for patients with clinically localized, low- to intermediate-risk prostate cancer. 
    SBRT treatment, of any body site or internal organ, is indicated for treatment of recurrence in or near 
previously irradiated regions when a high level of precision and accuracy or a high dose per fraction is 
indicated to minimize the risk of injury to surrounding normal tissues and treatment with conventional methods 
is not appropriate or safe for the particular patient (medical records must describe the specific circumstances, 
see documentation requirements in the attached Billing and Coding Article). 
 
Limitations for Stereotactic Body Radiation Therapy (SBRT): 
 
    Primary treatment of lesions of bone, breast, uterus, ovary, and other internal organs not listed earlier in this 
LCD as covered is not considered medically necessary.     SBRT is not considered medically necessary under the following circumstances for any condition: 
        Treatment is unlikely to result in clinical cancer control and/or functional improvement. 
        The tumor burden cannot be completely targeted with acceptable risk to critical normal structures. 
        The patient has a poor performance status (Karnofsky Performance Status less than 40 or Eastern 
Cooperative Oncology Group (ECOG) Status of 3 or worse). Note that the higher a Karnofsky Performance 
Status is, the better a patient is doing. However, the lower an Eastern Cooperative Oncology Group (ECOG) 
Performance Status is, the better a patient is doing. 
        Recurrent (other than pelvic and head and neck tumors) or metastatic disease could be treated by 
conventional methods (record must describe why other radiation therapy measures are not appropriate or safe 
for the particular patient). 
        Since the goal of SBRT is to maximize the potency of the radiotherapy by completing an entire course of 
treatment within an extremely accelerated time frame, any course of radiation treatment extending beyond five 
fractions is not considered SBRT. SBRT is meant to represent a complete course of treatment and not to be 
used as a boost following a conventionally fractionated course of treatment. 
 
You can find this information in the Local Coverage Determination (LCD) Stereotactic Radiation Therapy: 
Stereotactic Radiosurgery (SRS) and Stereotactic Body Radiation Therapy (SBRT) L35076. 
 
If you want to read these Medicare rules, you can go to this website www.medicareappeal.com.