Health plan & appeal guide
Hamaspik of Kings County
This employer has both kinds of coverage. The company on your insurance card decides which rules apply to you.
How we know · medium confidence
- The filing lists stop-loss insurance (Nationwide Life). Employers buy stop-loss only when they pay claims out of their own money.
- The filing says benefits are paid from the employer's general assets.
- Medical insurance bought from Cigna is on file, covering about 280 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.
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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