Dte Energy Corporate Services, LLC

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

1. Dte Energy Company Comprehensive Non-health Welfare Benefit Plan · 9,438 people · Self-funded · federal rules

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

2. Dte Energy Company Comprehensive Group Health Care Plan · 8,902 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Blue Care Network Of Michigan, Health Alliance Plan, Priority Health is on file, covering about 8,390 people.
   • 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.

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.

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

1. Dte Energy Company Comprehensive Retiree Group Health Care Plan · 5,105 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 Blue Care Network Of Michigan, Health Alliance Plan, Priority Health, Aetna is on file, covering about 1,761 people.
   • 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 Humana covering about 2 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.

2. Dte Supplemental Retiree Benefit Plan · 4,593 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).

Not counted

• Dte Energy Retiree Reimbursement Arrangement Plan (5,001 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.