Stoel Rives, LLP

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

1. Stoel Rives Welfare Benefits Plan · 630 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Kaiser Permanente is on file, covering about 118 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 19% of the 630 participants, so most people in this plan are in the self-funded part.

2. Stoel Rives Self-insured Medical Plan · 538 people · Self-funded · federal rules

   • The filing lists stop-loss insurance (Commencement Bay Risk Management). 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).

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.