http://www.dol.gov/ebsa/publications/10working4you.html
Employee Benefits Security Administration, U.S. Department of Labor
The Department of Labor's Employee Benefits Security Administration (EBSA) administers several important health benefit laws covering employer-based health plans. They govern your basic rights to information about how your health plan works, how to qualify for benefits, and how to make claims for benefits. This page discusses top 10 ways to make your health benefits work for you.