Wells Fargo & Company

• This employer files 3 health plans for this group; we judged them together.

1. Wells Fargo & Co Health Plan (for Eligible Active Employees & Their Dependents) · 149,291 people · Both kinds

   • The filing says benefits are paid from the employer's general assets.
   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Kaiser Permanente is on file, covering about 22,480 people.
   • We ignored a small insurance contract with Sierra Health & Life Insurance Company covering about 1 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 15% of the 149,291 participants, so most people in this plan are in the self-funded part.
   • The self-funded part's claims are processed by UnitedHealthcare, Anthem, Ddmn Aso, Llc (Schedule C).

2. Wells Fargo Texas Injury Benefit Plan · 15,764 people · Self-funded · federal rules

   • The filing says benefits are paid from the employer's general assets.
   • No medical insurance contract is on file (Schedule A).

3. Island Finance Medical and Dental Plan · 109 people · Insured · state rules

   • Medical insurance bought from Mapfre Life is on file, covering about 15 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.

Not counted

• Wells Fargo & Company Critical Illness Insurance Plan (175,648 people): Its insurance contracts (Schedule A) are for accident or hospital cover, none of it medical, and this employer files its medical plan separately.
• Wells Fargo & Company Optional Accident Insurance Plan (64,211 people): Its insurance contracts (Schedule A) are for accident or hospital cover, none of it medical, and this employer files its medical plan separately.
• Wells Fargo & Company Global Business Travel and Accident Plan (2,572 people): Its insurance contracts (Schedule A) are for accident or hospital 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.

• The filing says benefits are paid from the employer's general assets.
• The filing says benefits are paid from a trust the plan controls.
• Medical insurance bought from Sierra Health & Life Insurance Company, Kaiser Permanente is on file, covering about 6,799 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 self-funded part's claims are processed by United Health Care, Ddmn Aso, 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.