Unfortunately, this is not uncommon practice. It had went away for a long time, as a common practice. However, it’s back! This is the very reason why I do not advocate a high deductible plan, unless my client has a THOROUGH understanding of what it means. It’s imperative that I give them an educational session and provide examples.
This is worth the listen. Don’t let this open enrollment season pass you by, without calling KYC. A conversation doesn’t cost you anything.