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Your employer health insurance denied your claim? You might be complaining to the WRONG place. 🚨 Not all employer health insurance plans follow the same rules. Some are fully insured. Others are self-funded or level-funded. And here's what most employees don't know: **Your state insurance department may not have authority over your plan.** For many self-funded employer plans, federal regulators handle complaints instead. Before filing a complaint about a denied claim, ask your HR department:
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