Most insurance companies that do not cover certain procedures do so at the request of the employer. I worked for Toys R Us in their corporate HQ office, and TRU did not cover most of the reproductive costs my wife and I had for my wife having issues keeping a pregnancy. When I inquired as to why the corporation who considered "mom" their greatest asset did not cover reproductive costs, they (HR and the CEO John Eyler, because I wrote to him) told me it's because they fund their own insurance policy and Aetna only administers it for them. The reason why I asked is because NJ has a law that mandates any company with more than 50 employees who has its headquarters in NJ MUST cover reproductive costs. TRU got away with ignoring that mandate as any company who self-insured is covered by Federal law, not state law. That's one reason why I no longer work for those a-holes.

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Banded 9/27/07

Ford Ironman 70.3 Orlando, FL May, 2009
NJ State Triathlon July, 2009