Teresa, many thanks for the input. Our current coverage was changed to a new company, HealthPartners, who performs in an acting administrator capacity, commencing 1/1/07. And we have never received a copy of the entire Summary Plan Description, nor can it be accessed by going on line. So, I believe that is what the Dept. of Labor man was referring to, when he said "by law" they have 30 days to get me a written copy. I don't believe it would help us to get a copy of last year's SPD, since it was with a different company, unless I just want to look for "patterns" of coverage/non-coverage. Fortunately, I have enlisted the services of The Insurance Warrior to help me wade thru this muck, and get the most persuasive appeal letter in front of their faces soon!
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CindyLou
bicycle accident 6/19/01
2 compression fractures, T12, L1;
vertibroplasty @ above levels, 9/15/01
4/06 hip labral tear repair
4/07 Lumbar ProDisc replacement by Dr. B., 3 levels; L3-6
7/2/08 ALIF of L6-S1
7/30/08 Removed bone cement.
8/7/08 Diagnosed with pulmonary embolism, double pneumonia, collapsed left lung, pleurisy, pleural effusion.
3/10/09 right SI Joint Fusion; seeing light at end of tunnel, for first time in 8 years!!
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