My employer just informed us that to save money, the company is cutting out some benefits from our health coverage, including prescription drugs. Can they do that?
Yes, as long as the benefits are the same for all eligible plan enrollees. Employers may offer eligible employees a selection of health plans, such as a lower-cost HMO that limits enrollees to network doctors and providers only, or a higher cost plan that allows for a wider range of providers. Besides these basic differences, however, HIPAA assures that all plan enrollees are guaranteed access to the same health benefits.
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