HIPAA Discrimination

[Guest auntzue]

I have asked an attorney to check on this, but would like some feedback from others. A self-funded medical SPD drafted by the claims administrator contains an exclusion for any solid organ transplant if performed as a treatment for cancer. Does this violate HIPAA? If this exclusion is permissible, it seems a plan could exclude any number of benefits for specific illnesses; for example, no blood transfusions if performed as a treatment for AIDS. The second issue is that when I asked to have this removed, the claims administrator refused, stating it was a standard provision. The plan sponsor should be able to remove this, but I suppose then the reinsurer could retaliate by raising rates. Regards to all, Sue T