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@jennapr9 While United can change their provider contracts at anytime, meaning which doctors and facilities are in a given network, I'm positive they can't change the plan or policy that an employer group is on. So if the employer was on the same plan (and network) the entire time, it would be...

@jennapr9 Yes, if no one is willing to admit fault, then I would escalate to California DOI. EBSA is the employee benefits security administration, although I don't know how much help they'd be given their size. California State DOI controls the brokers ability to earn commissions, so they'll...

@jennapr9 If the policy changed as you described the employer should have known, and the benefits broker, I believe Gusto in this case, most definitely knew. This plan change was likely somehow communicated to your wife, but likely got lost in the shuffle or was unclear, or just happened...