Hntb Holdings LTD

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

1. Hntb Employee Health Care Plan · 5,204 people · Both kinds

   • The filing lists stop-loss insurance (Sun Life Assurance Company Of Canada). 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.
   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Kaiser Permanente, HMSA (Blue Cross Blue Shield of Hawaii) is on file, covering about 251 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.
   • The insured options cover only about 5% of the 5,204 participants, so most people in this plan are in the self-funded part.
   • The self-funded part's claims are processed by UnitedHealthcare, Tria Health, Wex (Schedule C).

2. Hntb Flexible Benefits Plan · 1,308 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).
   • Wex is paid to process this plan's claims (Schedule C), the usual setup when an employer pays claims itself.

Not counted

• Hntb Holdings LTD Group Ancillary Benefit Plan (6,391 people): Its insurance contracts (Schedule A) are for life, other (such as disability) cover, none of it medical, and this employer files its medical plan separately.

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.

• The filing lists stop-loss insurance (Sun Life Assurance Company Of Canada). 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.
• The filing says benefits are paid from a trust the plan controls.
• Medical insurance bought from Humana is on file, covering about 178 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.
• The self-funded part's claims are processed by UnitedHealthcare, Wex (Schedule C).

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.