If you are enrolled in an employer-sponsored health plan, you probably received what is called a Summary Plan Description when you first signed up.  Although this document may summarize your coverage in language that’s easy to understand, it is not the legal document that will be used if your dispute with your health plan ends up in court.  For a complete description of your plan’s benefits, contact your employer’s human relations department to see a current copy of what is known as the “Evidence of Coverage” or “Certificate of Insurance.”  If you bought your own health plan, you should have received the Evidence of Coverage when you bought the policy.  If you are not sure if you have a current copy, check with your health plan’s customer service department or your insurance agent.