Health plan & appeal guide
Elga Credit Union
This employer has both kinds of coverage. The company on your insurance card decides which rules apply to you.
How we know · medium confidence
- This employer files 2 health plans for this group; we judged them together.
Elga Credit Union Health and Welfare Plan · 314 people · Insured · state rules
- Medical insurance bought from Blue Cross Blue Shield is on file, covering about 625 people.
- The filing says all benefits are paid through insurance contracts.
Elga Credit Union Flexible Compensation Plan · 121 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).
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.
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