It sound a little strange. I would ask your employer why as it sounds as if your lacking all the info on your plan.

Do you have a group policy or individual? If you have group and you joined during open enrollment you are probably safe. If you have individual were you honest on your ap? If so and they did not add any riders excluding these conditions your probably safe.

I would have to say if you are paying $123 and that is just %50 you must have pretty good insurance. To answer most of your questions though I would need to know what state you are in. All state have differences and without that info anyone here would just be guessing. Also were did you get your quote, from your husband current employers co. or... more