Ok, got back from office. Herniated disc as well as disc degenerative disease or otherwise just erosion of one of the discs.

Going to get the cortisone shot in a week or two. If that isn't working out for me, I forget the fancy name, but it's surgery albeit not a big one. Basically 1 inch cut, go in and remove the bit of basically detached herniation pushing on the nerve.

@portman
On my insurance, I believe I was 90% covered and I owed ~500 day of the MRI.