W
Weasley1
Guest
What is the name of your state? NV
Briefly situation is as follows:
Self insured plan between employer and health insurance company.
The only plan document outlining benefits and exclusions they provide is the Summary Plan Document. (SPD)
SPD CLEARLY states that IVF is a covered expense. No ambiguity.
However, Insurance co, states IVF is NOT covered based on their records and refuse to pay. (We both have the same current plan info dated Jan 1 2002 but they say 2 different things!)
When I attempted to get a copy of the agreement/contract between employer and the ins. co to see exactly what the policy included and excluded, I was told that the SPD was the only document they supply to employees and that the contract didn't give any information on benefits anyway!
My understanding is that the SPD consitutes evidence of coverage in this situation.
If they continue to deny that IVF treatment is covered and the SPD clearly states that covered expenses include "charges made for or in connection with In-vitro fertilization" do they have a good faith obligation to cover these expenses?
Briefly situation is as follows:
Self insured plan between employer and health insurance company.
The only plan document outlining benefits and exclusions they provide is the Summary Plan Document. (SPD)
SPD CLEARLY states that IVF is a covered expense. No ambiguity.
However, Insurance co, states IVF is NOT covered based on their records and refuse to pay. (We both have the same current plan info dated Jan 1 2002 but they say 2 different things!)
When I attempted to get a copy of the agreement/contract between employer and the ins. co to see exactly what the policy included and excluded, I was told that the SPD was the only document they supply to employees and that the contract didn't give any information on benefits anyway!
My understanding is that the SPD consitutes evidence of coverage in this situation.
If they continue to deny that IVF treatment is covered and the SPD clearly states that covered expenses include "charges made for or in connection with In-vitro fertilization" do they have a good faith obligation to cover these expenses?