Joint Board of Trustees Sheet Metal Workers Local 7, Zone

• 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 a trust the plan controls.
• Medical insurance bought from Blue Cross Blue Shield, Blue Care Network Of Michigan is on file, covering about 92 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 20% of the 452 participants, so most people in this plan are in the self-funded part.
• The self-funded part's claims are processed by Blue Cross Blue Shield, Tic Midwest (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.