Health plan & appeal guide
Trustees UFCW Union Local 1189 and ST. Paul Food Employers Health Care
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 (Hcc Life). Employers buy stop-loss only when they pay claims out of their own money.
- The filing says benefits are paid from a trust the plan controls.
- Medical insurance bought from Sierra Health And Life Insurance Company is on file, covering about 125 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 7% of the 1,763 participants, so most people in this plan are in the self-funded part.
- The self-funded part's claims are processed by Wilson-Mcshane, UMR (UnitedHealthcare), T.E.A.M., 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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