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If you want to use this QR code (Quick Response code) just save the image and paste it where you want. You can even print it and use it that way. Coffee cups, T-Shirts etc would all be good for the QR code.
Dow, If your wife works for a larger university, chances are the university is actually self insured. In that case, the insurance company is acting as agent to handle the paperwork and insure a "separation" between the university and the insurance decision. If that is true, the University actually decided on the restrictions and limitations in advance- they are just blaming the "big, bad" insurance company.
The reality is that most large employers/companies/governments actually operate in this fashion. The state of NY certainly does (if she works in the SUNY system). Fifty-five percent of covered US workers were enrolled in self-insured plans for health care last year. Companies do not necessarily advertise it, as it is convenient and cheaper to take a hands off approach. In instances where the insurance company is acting as agent for a self-insured (or self-funded) company, they typically bill the company for the aggregate amount of claims paid plus a percentage (2% to 5%) for processing. In these instances they would actually hurt their profits by denying claims ......
