AT&T Inc.

• This employer files 2 health plans for this group; we judged them together.

1. AT&T Umbrella Benefit Plan No. 1 · 302,269 people · Self-funded · federal rules

   • The filing says benefits are paid from a trust the plan controls.
   • No medical insurance contract is on file (Schedule A).
   • We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
   • We ignored a small insurance contract with UnitedHealthcare covering about 14 people; it is too small to be the main plan.
   • At&T, Allsup, Corporation Service is paid to process this plan's claims (Schedule C), the usual setup when an employer pays claims itself.

2. AT&T Umbrella Benefit Plan No. 3 · 96,840 people · Both kinds

   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Kaiser Permanente, UnitedHealthcare, Avmed Health Plan, Blue Cross Blue Shield, Blue Care Network Of Michigan, Priority Health, Health Advantage, HMSA (Blue Cross Blue Shield of Hawaii), Health Net, Triple-S Salud is on file, covering about 43,970 people.
   • We ignored 2 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
   • We ignored a small insurance contract with Cigna covering about 27 people; it is too small to be the main plan.
   • 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 self-funded part's claims are processed by Blue Cross Blue Shield, UnitedHealthcare, Centivo T Holdings Llc (Schedule C).

Not counted

• AT&T Flexible Spending Account Plan (115,386 people): The plan name shows a spending account or employee assistance program, not medical coverage.
• AT&T Umbrella Benefit Plan No. 2 (126,655 people): Its insurance contracts (Schedule A) are for life, other (such as disability) cover, none of it medical, and this employer files its medical plan separately.

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.