Health plan & appeal guide
LBS Financial Credit Union
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 lists stop-loss insurance (Aetna, Sun Life Of Canada). Employers buy stop-loss only when they pay claims out of their own money.
- Medical insurance bought from Kaiser Permanente is on file, covering about 116 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 self-funded part's claims are processed by Allied Benefit Systems, Llc (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.
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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