Health plan & appeal guide
Independent Group Home Living Program, Inc.
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 says benefits are paid from the employer's general assets.
- Medical insurance bought from Hartford Life And Accident is on file, covering about 44 people.
- We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
- 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 923 participants, so most people in this plan are in the self-funded part.
Not counted
- Independent Group Home Living Cafeteria and Medical Flexible Spending Account Plan (497 people): The plan name shows a spending account or employee assistance program, not medical coverage.
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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