Hospitality Staffing Solutions

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

1. Hospitality Staffing Solution, LLC Employee Benefits Plan · 273 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Blue Cross Blue Shield is on file, covering about 316 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.

2. Benefit in Card · 129 people · Self-funded · federal rules

   • The filing lists stop-loss insurance (Pam American Life). Employers buy stop-loss only when they pay claims out of their own money.
   • No medical insurance contract is on file (Schedule A).
   • The filing says all benefits are paid through insurance contracts.
   • We ignored 2 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.

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.