Hi Forum,

I had a comprehensive PPO medical plan for my family as we had planned a child birth. My daughter was born april 30th. I paid for this PPO through april, which in fact covered through the first 2 weeks of may. My employer allowed me to change medical coverage within a 30 day period after the birth. April 30th I reduced my coverage from a PPO to a HDHC plan. On april 3rd I had paid outright and had no bills due to hospital. Several months after my daughters birth I was notified that my employer removed my covered on April 3rd and reduced it to a HDHC plan. I have since had to pay 8K out of pocket as if I never had a PPO. My employer states that they can go back into the past and delete past coverage and change it to the HDHC plan since thats what I elected to do. This seems very unethical to me. I believe this is a law meant to protect the people, that my employer insufficiently explained, and is not benefiting from. I have called several lawyers and have not found one who handles this type of case. Any advice would be greatly appreciated.

Thank You

Jay