Company has 2 health "plans," (A & b) where A generally provides better benefits (i.e., lower premiums, better coverage). Company's policy provides that an employee/dependent electing to enroll in company's health plan under the "Special Enrollment" HIPAA provision can only elect to enroll in B and later in open enrollment can choose A. Any thoughts on what is required by HIPAA, i.e., is each plan (A, b) a separate group health plan where Sec. 9801(f) applies separately to both or can the company satisfy this provision with its current policy?