Time to find a new service provider. If NOTHING changed, AT THE WORST CASE, the new plan document became effective 7/15 when signed. SO????? The old plan document was still effective until the new document became effective - and the plan should have been operated in conformity with it's terms (since NOTHING changed). Many (idiot) service providers seem to think that it is a "new" plan when they put it on their document - and try to enforce "new plan rules" (and even then, they often get those wrong). Nonsense.
Even so, I agree that the "retroactive" aspect of this is a non-issue.