America's Family Health & Welfare Fund

• The filing lists stop-loss insurance (Hm Life Insurance Company Of New York). Employers buy stop-loss only when they pay claims out of their own money.
• Medical insurance bought from Highmark is on file, covering about 8 people.
• The filing says all benefits are paid through insurance contracts.
• We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
• Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
• The insured options cover only about 2% of the 405 participants, so most people in this plan are in the self-funded part.

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.