Yesterday I got our "Confirmation of Coverage" letter. My health, dental and vision coverage was cancelled as of 1/1/2016. WHAT? After a long phone call I find that the dependent audit paperwork was sent out and then returned because their envelope does not allow it to be forwarded. (We are snowbirds and winter in FLA) They did not call us either when it was returned, they had a good contact phone number...so they cancelled my insurance, no 30 day notice, nothing just cancelled. Now I have to go through an appeals process which could take up to 60 days to correct. Married 35 years to this man and being made to prove it! ...and here's the kicker, my premium payments have been accepted no problem.