As a means to lower down insurance epenses, many companies usually resort to adjusting the health insurance plan of their employees.  They do this to keep the plans going with the rising insurance cost.  This action may not have anything to do with you or your claim at all. Most insurance companies, like BCBS of New York allows this privilege to the companies they are selling their insurance with.  These changes may vary from removing some benefits that looks trivial to them, increasing the deductible, increasing the co-insurances as well as adding co-pays to their employees plan. In the case of a BCBS of New York Small Business, however, the company should not singled you out from these changes.  If the employer makes these changes in your benefit plan, they should also apply these changes to all their employees' plans.  A BCBS of New York group plan has to be equal for all employees of the same category who choose the same plan type.  You may need to confirm if these changes also reflect in other employees' plans as well. Unless there is an eisting union contract that states certain benefits and specific range of insurance deductible and coinsurance amount, the employers can indeed make changes to the plan they offer as a benefit to their workers.  They can even totally stop this health benefit.  In the first place, they are not obligated to provide any health insurance to their employees at all.  Your BCBS of New York health insurance is better than having none at all. - June 3, 2009 @ 3:27 pm