Yes, if your employer selffunds the plan and merely contracts with an insurance company to provide administration services only, then according to the Federal Employee Retirement Income Security Act (ERISA) the employer`s plan is likely to be exempt from many state requirements.
However, you have a right to appeal any decisions of the plan. Your appeal rights in your employee benefit plan are required by ERISA. Generally you have 60 days to file an appeal of any decisions of the plan administrator. The plan then has 60 days to respond in writing to your appeal.
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This article is intended to be helpful and informative. But even common legal matters can become complex and stressful. A qualified health insurance lawyer can address your particular legal needs, explain the law, and represent you in court. Take the first step now and contact a local health insurance attorney to discuss your specific legal situation.