Note: If your insurance is provided through your employer, and your employer is large-ish (more than a few hundred employees) then they will very likely be a se

Note: If your insurance is provided through your employer, and your employer is large-ish (more than a few hundred employees) then they will very likely be a self-funded health plan. These are not state regulated health insurance products. You'll get a response back telling you your plan is regulated through the Department of Labor under ERISA law, which allows the companies to pretty much get away with murder.