Health plan & appeal guide
Villa Esperanza
This employer has both kinds of coverage. The company on your insurance card decides which rules apply to you.
How we know · medium confidence
- This employer files 2 health plans for this group; we judged them together.
Villa Esperanza Welfare Benefits Plan · 258 people · Insured · state rules
- Medical insurance bought from Health Net is on file, covering about 70 people.
- The filing says all benefits are paid through insurance contracts.
Villa Esperanza Services Flexible Benefits Plan · 7 people · Self-funded · federal rules
- 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.
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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