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I've already given you the answer according to the law. If you have a union contract that says otherwise, then the contract holds.
The union may require that you go through them first. The DOL will not. They may suggest that you go through the union first, but if you insist on filing a claim they will accept it.
Who is and is not paying for your medical insurance has nothing whatsoever to do with your employment status. There are legal and valid reasons why an employee may be paying for 100% of the coverage, or why an employer may be paying 100% of it for someone who is no longer employed. It is simply not a binding factor.