Tuesday, June 17, 2008

I've Got an Answer (Maybe)

I have been trying to find out for the past two weeks whether there have been any major changes in the Exclusions of both policies my company offers. I don't want to switch to United Healthcare and then find out that this year WLS is excluded but it's been added to Aetna (my current carrier). It has been very frustrating trying to find an answer.

Today I finally emailed the Big Cheese of Benefits. She claims that the booklets with the Summary Plans don't get updated every year. Only when something major changes and even then they might just post an addendum.

I find this very hard to believe. First of all, I know that the exclusions for our UHC policy have changed. Some stuff that was excluded last year is now included. Yet no addendum was issued. Secondly, there weren't really major changes last year, yet there are Summary Plan documents up for last year.

But if that's what they say.... it means WLS is still included with our UHC plan. Which is good right? Except...

One of the most frustrating aspects of dealing with insurance is how every time you make an inquiry, you get a different answer. I hope that this time this answer sticks!
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