W W Grainger Inc

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

1. W.W. Grainger, Inc. Group Benefit Plan III · 16,312 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • Medical insurance bought from Triple-S Salud, Kaiser Permanente is on file, covering about 194 people.
   • We ignored 1 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 Cigna covering about 35 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 1% of the 16,312 participants, so most people in this plan are in the self-funded part.

2. W W Grainger Inc Group Benefit Plan I · 308 people · Self-funded · federal rules

   • 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).
   • Karr Barth Administrators, Empyrean, Spring Care is paid to process this plan's claims (Schedule C), the usual setup when an employer pays claims itself.

Not counted

• W W Grainger Inc Group Benefit Plan II (18,845 people): Its insurance contracts (Schedule A) are for life, vision cover, none of it medical, and this employer files its medical plan separately.

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.