My D works for a NJ company at their headquarters in NJ. She found out that her company sneakily registered and bought insurance in NY so they are not covered somethings that NJ mandates. In addition, some companies use Aetna but only to administer their self-insured policies. This will also skirt NJ mandates.
We had no idea this could happen.
Had she known earlier she would have signed up under her husband’s policy which has excellent coverages but she missed the enrollment period.
Oftentimes, you don’t know your coverages until you have to use it.