Employer Insurance gives me zero providers w/in 100mi. radius of my location, despite my location being part of my employee contract
I work remotely in CA for an NYC-based company; I am one of two employees approved for out-of-state remote work status.
We just got an email this week saying that we are migrating to a new HRIS and changing insurance providers, which gives us the ever-elusive additional open enrollment option this year before 2024.
The (very very big) problem is, I looked at the insurance company and noticed that it is a small, New York-based company. My concerns were confirmed when I ran a search for providers in my area, and the result turned up zero. I have zero providers within a 100-mile radius of where I live, and the only medical groups within a 100-mile radius of me are physical therapy centers.
This newly offered plan does not give me the same options as my New York-based coworkers, despite my employee status and benefits being the same (nothing in my contract changed because of my remote status other than my location). Is there anything I can do? Do I have any options with my employer, or am i relegated to pass up thousands of dollars of benefits to pay for insurance out of pocket? I have less than 2 weeks to elect a plan or bypass.
TL;DR: change of insurance providers post open-enrollment gives me zero providers within a 100-mile radius of my location, despite my location being part of my employee contract.
Iām hoping someone can tell me what I don’t know so I can advocate for myself (you don’t know what you don’t know), or what conversations I can start around this issue.
