Not many people are aware of this, but everyone who is covered under a group health insurance plan has an Insurance Broker that they used to get the plan. This broker gets paid a monthy commission based upon the groups monthly premium. Make that broker work for his money - you can go to them to help you solve insurance issues that you are unable to do on your own. The broker is there for you - use them. Go to your human resourses person and ask who the broker is. The broker has a broker line that they are able to call the carriers on. I hope this hint helps everyone out