Southwest Research Institute

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

1. Southwest Research Institute Employees' Insurance Programs · 3,284 people · Insured · state rules

   • Medical insurance bought from Sierra Health And Life Insurance Company, Hartford Life And Accident, UnitedHealthcare, Kaiser Permanente is on file, covering about 1,288 people.
   • The filing says all benefits are paid through insurance contracts.
   • We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.

2. Southwest Research Institute Employees' Health Care Expense Benefit Plan · 3,170 people · Self-funded · federal rules

   • The filing lists stop-loss insurance (UnitedHealthcare). 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.
   • The filing says benefits are paid from a trust the plan controls.
   • No medical insurance contract is on file (Schedule A).

Not counted

• Southwest Research Institute Employee Assistance Program (3,284 people): The plan name shows a spending account or employee assistance program, not medical coverage.
• Southwest Research Institute Health Care Reimbursement Plan (570 people): The plan name shows a spending account or employee assistance program, not medical coverage.

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.