Can my employer stop covering infertility without notice? (California, Applicable large employer)
My employer, a healthcare group, in CA offers HMO and PPO plans. For the past 6 years, I’ve only been eligible for PPO because I live outside service area of HMO (husband is on my plan too). On my original plan, call it PPO1, I had partial coverage for infertility but then when my emplyer switched to new provider for PPO2 plan in Jan 2022 (and once I finally got off a 7 month wait list to fertility clinic), come to find out I have 0 coverage.
Was it legal for my employer (who verbally confirmed that PPO2 was comparable to PPO1) to do this? The other HMO plans offered for 2022 have benefits.
I found a covered CA guide for small employers that says if infertility benefits are chosen as an included benefit from the employer, then all products offered to employees must include them.
I emailed my HR rep who was quick to respond but then when I brought up the covered CA piece, got real quiet.
Any advice would help! Especially those who might be in the corporate law field.
Thanks in advance!