Health plan & appeal guide
Board of Trustees, Hawaii Health & Welfare Trust Fund
This employer has both kinds of coverage. The company on your insurance card decides which rules apply to you.
How we know · medium confidence
- The filing lists stop-loss insurance (HMSA (Blue Cross Blue Shield of Hawaii)). Employers buy stop-loss only when they pay claims out of their own money.
- The filing says benefits are paid from a trust the plan controls.
- Medical insurance bought from Kaiser Permanente is on file, covering about 932 people.
- 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 HMSA (Blue Cross Blue Shield of Hawaii), Multi-Plan Services Agency (Schedule C).
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.
Which company is on your insurance card?
It’s printed on the front of the card. The filing shows which companies sell insured options here and which ones run the self-funded plan.
Send your appeal here
Unlocks after you answer the question above
Know your deadlines
Unlocks after you answer the question above
What happens next
Unlocks after you answer the question above
Get free help
Unlocks after you answer the question above
Coming next
Get help writing the appeal letter
We’re building a tool that drafts your appeal from the denial letter and keeps track of every deadline. Leave your email and we’ll send one note when it’s ready.