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@warpur ERISA is a federal law that applies to employer group health plans. Check with HR to see if you can get the ERISA summary plan description - which is a legally mandated document. Do NOT delay treatment!! You can get reimbursed for treatment you pay for out of pocket under the law if the...

@warpur This sounds like a self funded ERISA employer plan. Follow your ERISA claims procedures and then, if no resolution, sue your employer!! DOI has no jurisdiction over self funded plans!!