I don't know how I could have known that mistake was made. My employer doesn't have website for employees. Document provided at the time of open enrollment has only 5-6 pages. Insurance administrator's website is rudimentary & doesn't have documents such as "Summary of Benefits", "Evidence of Coverage", etc. Insurance card has Plan ID # (alphanumerical) but no Plan name. I figured out mistake after I received "Explanation of Benefits" rejecting the claim.
I found out about 45 CFR 147.128 today. Intend to email my employer on Monday. Previously they have taken 30 - 35 days to respond to my email. I want to make sure what they are doing is allowed or not.
At that time, I wasn't 100% sure that they had made the error. I requested them to check if I'm enrolled in correct plan. They replied informing me that they have enrolled me in correct plan & backdated it.
Backdating insurance coverage cannot resolve this matter as I can’t go back in time to receive health care or change choices I was forced to make in regards to receiving and paying for medical services due to lack of coverage as a result of this mistake.
Right now, 1) I have paid employee contribution, 2) neither received nor will be able to use services that I have paid for & 3) had to pay for covered services out of my pocket due to rejected claim.

