Citigroup Inc.

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

1. Citigroup Health Benefit Plan · 57,540 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Kaiser Permanente, HMSA (Blue Cross Blue Shield of Hawaii) is on file, covering about 1,156 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 insured options cover only about 2% of the 57,540 participants, so most people in this plan are in the self-funded part.
   • The self-funded part's claims are processed by Anthem, Triple-S Salud (Schedule C).

2. Citigroup Flexible Benefits Plan · 17,133 people · Self-funded · federal rules

   • The filing says benefits are paid from the employer's general assets.
   • No medical insurance contract is on file (Schedule A).

Not counted

• Citi Health Reimbursement Arrangement (hra) (7,078 people): The plan name shows a spending account or employee assistance program, not medical coverage.

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.

• The filing says benefits are paid from the employer's general assets.
• Medical insurance bought from Triple-S Salud is on file, covering about 81 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 insured options cover only about 8% of the 1,003 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.