Kajima U.s.a., Inc

• The filing lists stop-loss insurance (Hcc Life). Employers buy stop-loss only when they pay claims out of their own money.
• Medical insurance bought from Blue Cross Blue Shield is on file, covering about 0 people.
• The filing says all benefits are paid through insurance contracts.
• 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 0% of the 517 participants, so most people in this plan are in the self-funded part.

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.