Cooperating Railway Labor Organizations

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

1. Group Health Insurance Plans for Former Railroad Employees and Their Dependents · 33,362 people · Insured · state rules

   • Medical insurance bought from UnitedHealthcare is on file, covering about 44,226 people.
   • The filing says all benefits are paid through insurance contracts.

2. Crlo Group Life, Hospital, Surgical, Vision and Medical Benefit Plan · 405 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).
   • We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.

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.