International Union, UAW

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

1. Hospital and Health Benefits · 793 people · Self-funded · federal rules

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

2. Prepaid Group Practice Plan · 20 people · Insured · state rules

   • Medical insurance bought from Health Alliance Plan is on file, covering about 68 people.
   • The filing says all benefits are paid through insurance contracts.

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.