It can take time for employees to receive an updated schedule of benefits when their employer changes plans during open enrollment. This is especially true if the decision was made close to the open enrollment deadline. The insurance company should have provided a schedule of benefits to the employer within 10 days of the plan changes. So, they employer should be able to provide you with a copy of this now. It seems odd that the employer has informed you that they do not yet have the schedule of benefits after 30 days after the plan change. If should definitely contact the insurance carrier to see if they can provide this information as well. They should be able to email it to you in a pdf format. Now, if this is a large company, the new health plan may be customized and not one of the standard health plans offered by that insurance company. This could account for the delay in sending out the schedule of benefits. If this is the case, the insurance company's customer service department should be able to inform you of this and give you some idea of when you could epect the policy details. Until this is resolved, you might want to request pre-authorization on any costly claims, such as pending surgical procedures. The insurance company's claims department would definitely know what changes have been made to the plan and how they apply to any current treatments or medications of eisting plan members.