ERISA (The Employee Retirement Income SecurityAct) is a federal statute that governs employer-sponsered benefit plans (including health insurance). In ERISA health insurance plans, state law claims are often superseded by federal law and protections offered by state law may not apply. If you or your family receive employer-sponsored health insurance, it likely that your coverage falls under the ERISA statute. This is a complicated area. Click here for an explanation of how your states rules for insurance may apply.
Link to "Filing A Claim for Your health or Disability Beneifts" published by the U.S. Department of Labor: