Question:
Exactly who denies the employer or the insurance?

I'm a little confused about who denies or even give problems regarding insurances issues. When they say i need more info is that the employer or insurance company. I know I have no exclusions so i wanted to know if there is a problem will it come from bc or my employer    — shae7755 (posted on August 31, 2003)

August 31, 2003
Insurance, not the company ,unless you have what they call a self insured employer. Since you have no exclusions, all your stuff will come directly from the insurance company. Good luck.
   — Delores S.

August 31, 2003
It will be the insurance company based on the policy your company purchased. Your company can even buy a standard policy and ask for certain things to be excluded. So it's your company that makes the decisions as to what is covered based on cost of the policy and the insurance companies job to enforce the policy.
   — zoedogcbr