u/Eastern-Whereas-4221

Previously, I worked for a large healthcare insurance company, which I had a 401(k) through. Now I’m working for a hospital system, which is owned by that same large insurance company that I previously worked for. Now I have two 401(k)’s, one with the insurance company and then one with the hospital system. I’m being told that I cannot roll over or combine my 401(k)’s because it was considered an internal transfer. they are two separate companies with separate retirement accounts. The two 401k’s are held through the same retirement servicer but under 2 separate accounts. Can someone help me understand why I can’t combine them since I switched companies.