Hall Contracting of Kentucky, Inc.

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

1. Hall Contracting of Kentucky, Inc. Welfare Benefit Plan · 186 people · Insured · state rules

   • Medical insurance bought from The Guardian Life Insurance Company Of America is on file, covering about 186 people.
   • The filing says all benefits are paid through insurance contracts.

2. Hall Contracting of Kentucky, Inc. Health Benefit Plan · 155 people · Self-funded · federal rules

   • The filing lists stop-loss insurance (Anthem). 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.
   • No medical insurance contract is on file (Schedule A).
   • Anthem is paid to process this plan's claims (Schedule C), the usual setup when an employer pays claims itself.

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.