I work for a company which operates four hospitals.
Last week, we were informed that our medical insurance is changing (for the worse). Not only has our lifetime benefit been reduced from $500K to $300K, (which in itself is a joke), but our doctor co-pay is going up as is my deductions for dependent coverage.
This plan also carries a disclaimer which says that if we have services rendered at a non-network hospital (not one of our four), that we will be responsible for 60% of the charges. And this includes whether we're in a life-threatening condition or are unconscious at the time.
Is this last part legal?