Insurance usually doesn't pay for artificial disc replacement.
There are still many unknowns about the ADR. How long they will last, what happens to the body if they rupture.
There are serious difficulties removing the disc if it doesn't work, many times it can be a risk of life to remove them.
Have you tried any conservative measures for you "leaking" disc?
have you done PT,
Have you done injections?
It would be best to seek out several other opinions on the need for a disc replacement.
Has disectomy or microdisectomy been discussed?
I would get another opinion If I where you, actually I would get several other opinions before considering surgery.
Good luck
Fran