Self-Funded Medical

Our medical plan is self-funded. The premiums are paid by each department who have an employee. Most of the departments are funded through grants and contracts. What kind of limitations are there for any excess funds in the medical pool? Specifically, after paying all of the medical bills, TPA, and insurance costs - there's a surplus, what are the limitations for spending it? :confused:


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  • I am not sure in a grant-driven business, but in a business where each department participates in a self-funded plan, we would either prorate it back to the departments (the same as if they had to come up with more money), or we would leave it in the pool and use it to reduce expenses the following year.

    Good luck!
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