Michelin North America, Inc.

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

1. Michelin Health and Welfare Plan · 17,737 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Blue Cross Blue Shield, Highmark is on file, covering about 1,227 people.
   • We ignored 2 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
   • We ignored a small insurance contract with Blue Care Network Of Michigan covering about 134 people; it is too small to be the main plan.
   • 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 7% of the 17,737 participants, so most people in this plan are in the self-funded part.

2. Michelin Pre-65 Health Plan · 1,353 people · Self-funded · federal rules

   • The filing says benefits are paid from the employer's general assets.
   • No medical insurance contract is on file (Schedule A).

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.

• The filing says benefits are paid from the employer's general assets.
• Medical insurance bought from Humana is on file, covering about 4,508 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.

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.